London → Nairobi
Watch it arrive.
Every payments company says instant. Here is ours, running on this page, with a clock on it. Change the amount, press send, and time it yourself. Then look at what your bank would have done with the same money.
London to Nairobi, live
- CollectedCard debited in London, funds held…
- ConvertedGBP into a regulated stablecoin at mid-market…
- SettledMoved on-chain, finality confirmed…
- Paid outCredited to an M-Pesa wallet in Nairobi…
The median payment on this corridor settled in 10.8 seconds last week. The slowest took 41.
What it costs
The fee is not
where they get you.
Most of what a remittance costs is hidden in the exchange rate, not the fee line. These figures use whatever you typed above, at today's mid-market rate.
Tuma
…
High-street bank
…
Money transfer operator
…
…
How the rail works
Yes, there is
crypto in here.
We would rather tell you than have you find out. A stablecoin is the settlement layer between two banking systems that do not talk to each other. Nothing more interesting than that. You never touch it, never hold it, and never see a wallet.
01. In
Regulated collection
Your card or bank transfer is collected by our FCA-authorised partner in the UK and held in a segregated client account. Ordinary, boring, and the part that keeps regulators comfortable.
02. Across
Stablecoin settlement
We convert at mid-market into USDC and settle on Base. It costs a fraction of a cent and confirms in about two seconds, which is the entire reason this corridor is eleven seconds and not three days.
03. Out
Payout in shillings
Our Nairobi partner converts to KES and pushes to M-Pesa, Airtel Money or a bank account. The recipient sees a normal M-Pesa message. They never learn any of the above happened.
Proof, not promises
Everything here
is checkable.
After the last few years, nobody in this industry deserves the benefit of the doubt, including us. So every claim on this page links to something you can go and read, and the reserve figure updates hourly whether it flatters us or not.
0100% of customer balances
Developers
One call.
Payouts to M-Pesa, Airtel Money and Kenyan bank accounts from a single endpoint. Idempotency keys, webhooks on every state change, and a sandbox that returns the failures as well as the successes.
# create a payout curl https://api.tuma.africa/v1/payouts \ -H "Authorization: Bearer sk_live_…" \ -H "Idempotency-Key: 9f3c1a2e" \ -d amount=50000 \ -d currency=KES \ -d destination[type]=mpesa \ -d destination[msisdn]=254722000000 { "id": "po_2Nk8QpZ", "status": "settled", "amount": 50000, "currency": "KES", "settled_in_ms": 10840, "fee": { "amount": 450, "currency": "KES" } }
Get access
We are onboarding
in batches.
Personal accounts are open in the UK and Kenya. Business and API access goes out in batches of about forty a week, so we can actually answer the phone.
Tuma is a fictional company built as a demonstration. Nothing on this page is an offer of a financial service, and every figure (rates, fees, reserves, licences, uptime) is invented for the demo.