Pan-African commerce, with trust built in

Money moves
when both sides
agree.

Ahadi holds funds in escrow, verifies the people on both ends, and only releases payment once the deal is confirmed. Goods, services, savings goals, group funds — protected by default.

Regulated escrow partners
Tiered identity verification
Auditable release rules
9:41•••
Escrowed order
#ESC-3F2W
Held in escrow
KES 14,500
Released on confirmation
Buyer verifiedTier 2
Seller verifiedTier 3 ★
Item inspectionOn delivery
Built on regulated rails. Mobile-money, bank, and card interoperable.
How Ahadi works

Four steps. Zero awkward conversations.

01
Agree on the deal

Buyer and seller confirm price, item, and delivery terms. Ahadi locks the agreement.

02
Money goes into escrow

Funds move into a regulated escrow account — visible to both parties, controlled by neither.

03
Goods or service delivered

On delivery, the buyer inspects. Disputes pause the clock. Confirmations release funds instantly.

04
Trust score grows

Every clean deal compounds. Higher trust unlocks bigger limits, better credit, lower fees.

What you get

Six things that make Ahadi different.

Escrow by default

Every transaction is held until both sides confirm. No more 'paid but never delivered'.

Tiered identity

From phone-only to full KYC. Friction matched to the value at risk.

One wallet, every rail

M-Pesa, bank, card, USDC. Top-up, send, withdraw, save.

Trust graph

Behaviour becomes credit. Repeat sellers get working capital. Loyal buyers get BNPL.

Group goals (chama)

Pool money toward shared goals with rules, signers, and a public ledger.

Verifiable receipts

Every order has a public lookup ID. Trust, but verify.

The trust graph

Behaviour, not paperwork,
becomes your credit.

Every confirmed delivery, every dispute resolved fairly, every group goal hit — it all compounds into a portable trust score. Lenders price risk on facts, not vibes. Buyers unlock instalments. Sellers unlock working capital. Everyone gets fairer terms.

Starter
New users · phone-only KYC
Small-ticket orders, fully escrowed
Exact limits set at account level.
Verified
ID + selfie verified
Higher limits · instalment eligible
Exact limits set at account level.
Trusted
Full KYC + transaction history
Custom limits · access to credit products
Exact limits set at account level.
Why Ahadi

Trust, by design.

Escrow-first
No transaction completes until both sides confirm.
Fast disputes
A dedicated mediation queue with clear SLAs.
Verifiable receipts
Every order has a public lookup ID. Trust, but verify.
Get started

Trust built in.

Start using Ahadi for your next transaction — free for buyers, with escrow protecting both sides.