It is with deep gratitude that the Kotani Pay family, including our partners and community, receives the 2021 Celo Wave 3 Community Grant. The grant will go a long way to enable our mission to serve as a frictionless bridge between crypto and fiat for the unbanked and for new adopters in search of alternative payment systems.

We are fully aligned with Celo’s mission of inclusive decentralization enabling billions of people especially in emerging and frontier markets to access permissionless, more affordable and more inclusive means of payment.

Article: Kotani Pay — A novel Technology enabling Financial Inclusivity for the…


We are pleased to announce that Jonathan is joining our board as FinTech advisor. Jonathan is the Founder and Chairman of Kobe International Blockchain Research Center, a Blockchain and innovation startup based in Japan. He is also the Founder and CEO of Thinkq.co, a digital transformation startup based in Singapore.

Jonathan has more than a decade of experience in the financial services industry and has supported dozens of organizations in digital transformation, automations leveraging artificial intelligence and machine learning, and risk management. Jonathan has been leading digital and innovation collaborations across Singapore, Japan, Africa, Vietnam, Bangladesh, London and San Francisco…


Author: Samuel Kariuki, Chief Operating Officer

The Kotani Pay team at a past meeting

Kotani Pay is building a solution that allows people to access Blockchain technology to send and receive money without the need of internet connectivity or a bank account.

Kotani Pay is a middleware technology service that enables users to access the Blockchain and cryptocurrencies via Unstructured Supplementary Service Data (USSD). USSD is the primary mode of the mobile interface for a majority of the population in developing countries.

The solution connects feature phone users and low-end smartphones to Blockchain networks such as Celo. …


Traditionally, lending between people in emerging markets like Kenya has been strictly informal. It is usually done in cash with little or no documentation and is generally limited to a close network of people in a lender’s community. Table banking groups, SACCOs (Savings and Credit Co-Operative) and cooperatives have formalized some of these lending structures and have a huge following on the continent currently.

New digital marketplace lending platforms allow consumers and small businesses to receive credit via mobile money from the convenience of their mobile phone. …


If you are in the technology, finance, NGO or Blockchain space you have probably heard of Universal Basic Income by now. Andrew Yang popularized the concept during his 2020 United States(US) presidential run. Universal Basic Income (or UBI in short) refers to unconditional cash transfer to all members of society regardless of their employment status, gender or wealth status. …


Blockchain technology and the ownership and use of cryptocurrency are increasingly becoming popular as the benefits and advantages become clearer. The transparency and immutable nature of the Blockchain has attracted individuals, organizations, and governments that desire these traits for their systems and products.

As more dApps are being developed on various Blockchain platforms, users are increasingly adopting and using cryptocurrencies to interact with these dApps. However, getting users to move their assets from fiat to crypto and vice versa is generally not a simple process. …


As we begin a new year, we’re proud to take stock of the achievements in 2020. Kotani Pay is just over 8 months old, but we’re grateful for your support thus far.

Kotani Pay is a middleware technology service that allows you to connect to the Blockchain without the need for a high end smartphone, and with only cellular connectivity. Even without internet connectivity, we enable you to access crypto assets from the Blockchain and straight to your mobile money wallet.

In 2020, besides refining our product, we participated in the Celo Bootcamp, emerging winners of the Celo Tenet Award…


The Global Gig Economy currently generates $204 Billion, with a projection that this will grow to $455 Billion by 2023. The Gig Work Economy in Africa was estimated to be worth $300 Million as of 2019. With the informal sector playing a huge role in the employment level on the continent, the gig economy is a fundamental piece in the puzzle. For example, the gig economy was responsible for about 90% of new jobs created in 2018. The global gig work market is dominated by Amazon Turk and Crowdflower. …


The usefulness of money rests in exchanging it for goods and services. One cannot eat dollar bills in place of food or wear a bank account in place of clothes.

Money must be widely accepted by both buyers and sellers for it to be effective.

In the second decade of the 21st century, we are seeing more people exchanging value on Blockchains. For many individuals in Africa, however, they either have no access to digital assets and value exchanged on Blockchains or have their digital assets and value locked on Blockchains with no way of utilizing them for the things…


After a rigorous judging process with our team members Dr. Li, and Dr. Yang as judges, The Babylon Project, a virtual #hackathon with over 1000 participants, had the final winner — Kotani Pay! We are honored to have Kotani Pay join our 2021 #accelerator cohort! @BabylonProject_ pic.twitter.com/pTxOfk6eko

- Lair East (@LairEast) October 22, 2020

Kotani Pay, a Kenyan-based crypto payments startup, recently won $100, 000 after emerging the top during the Bablylon Project hackathon initiative.

The virtual hackathon featured over 1, 000 participants from 69 countries, with 20 teams making it to the semi-finals, out of which, 6 projects were…

Kotani Pay

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