Technology that feels human.
KIOTA FOR BUSINESS
Payments, savings, and everyday commerce for the millions of Africans that banks never reached. All built on the app they already open every day.
Everything from onboarding to payments happens through simple conversation inside WhatsApp.
Kiota removes the barriers of apps, downloads, and data costs. Users access essential services instantly through the WhatsApp interface they already know, available in local languages and designed for every literacy level.
Welcome to Kiota. Send a photo of your ID to get started.
Verified ✓ Your account is ready, no app or branch visit needed.
Accept payments, track daily takings, and settle straight to your bank, all with simple controls built for confidence and transparency.
You've received R250 from Sipho M.
Today's takings: R4,820
Settle to my bank
Done ✓ R4,820 paid to your account.
Kiota is built to spread through trust. Invite your customers, reward repeat business, and build momentum within local communities.
Invite my customers to Kiota
Share this link:
kiota.africa/shop/thandi
Earn rewards as they shop and transact.
Send on WhatsApp
Buy airtime and data for any network straight from the chat, with no app to download and no trip to the shop. More everyday services roll out from here.
Buy airtime
Sure. Any network, from R5. How much?
R50, MTN
R50 MTN airtime to your number. Pay now?
Pay R50
Done ✓ Airtime loaded instantly.
Of African adults are unbanked, yet 84% already hold a SIM card. The solution is already in their pocket.
Active WhatsApp users across Africa. The channel already exists. We simply unlock its potential.
Annual remittance flows crossing Africa's digital borders. The value is already moving.
Kiota sits exactly where access, commerce, and community meet to drive inclusive prosperity.
Supporting giving, communication, and coordinated care within trusted faith communities.
Managing group protection, contributions, and payments during life's most sensitive moments.
Enabling pooled savings, transparent contributions, and simple, accountable fund management.
Connecting families across borders and strengthening community-led remittances.
A community platform connecting people and payments to unlock affordable reach and real economic participation in emerging markets.
Reach underserved customers through WhatsApp, a channel they already use every day.
Erases hefty marketing budgets by activating organic community networks on the ground.
Proprietary logic bridges legacy core banking protocols directly into clean webhooks and chats.
Achieves unmatched activation retention rates due to localized, highly familiar conversational interfaces.
Combining fintech, telecoms, AI, and community expertise to build scalable digital access across Africa.
Take payments, settle straight to your bank, and reach customers where they already are, all inside the chat. Register your business and we'll onboard you as Kiota rolls out across your region.
Onboard your businessFree to join · No app to build · We set you up directly
Kiota creates technology that strengthens communities, expands access, and unlocks real economic opportunity.
Tell us about your community. We'll be in touch within 48 hours.
We'll be in touch within 48 hours.
