Built around identity, not around accounts
Most financial services start from a separate account for every product. SwitchPesa starts from the person.
From account-centric to identity-centric
Who you are, established once — then trusted, with your consent, everywhere it's needed.
Account-centric today
- Every new service asks you to prove who you are again
- Your identity is scattered across separate apps
- A phone number becomes the de-facto key to your money
Identity-centric by design
- Verify your identity once and reuse it with consent
- One identity, carried across the services you choose
- Phone is an optional alias — the person is the anchor
Four layers, one identity
A conceptual view of the platform — from the identity at its base to the connections it may reach.
Identity layer
Layer 01A verified identity anchors each person and business. It belongs to them — not to a phone number or a single app.
Established oncePrivate by designAuthorisation layer
Layer 02Every action that moves value passes through an explicit, recorded approval from its owner.
Customer authorisesRecorded approvalsServices layer
Layer 03The experiences built on top of identity: customer wallets, merchant acceptance, and agent-assisted service.
Customer walletMerchant acceptanceAgent assistConnection layer
Layer 04A provider-agnostic layer intended to interoperate with licensed banks and mobile money — subject to authorisation and agreement.
Banks (planned)Mobile money (planned)
See the idea, from every side
Switch between the customer, merchant, agent and partner perspectives — illustrative previews of intended experiences.
One identity for the person, not the phone
Your SwitchPesa identity
SP-
Designed so your wallet belongs to you — the person — not to a phone number. One verification is intended to open more services over time.
Sample UI. All identifiers are masked — no real or fabricated personal or financial data is shown.
Let's talk about the future of financial access
Partners, regulators and builders — we'd welcome the conversation.