No bank account needed. No complicated wallets. Just your phone, an ID, and Digital Pesa — Africa's easiest way to buy, sell, and trade crypto instantly.
Whether you prefer online or in-person, small trades or large volumes — we have a method built exactly for you.
Download the Digital Pesa app or visit trade.digitalpesa.com. Enter your phone number and a secure password. No email required — your phone number is your identity. We support numbers from all 54 of our operating countries.
Take a photo of your national ID, passport, or driver's licence. Our AI-powered KYC engine verifies your identity in seconds — no waiting for manual review. We accept all major African national IDs and international passports.
Top up your Digital Pesa wallet using M-Pesa, MTN Mobile Money, Airtel Money, Wave, Orange Money, or a direct bank transfer. Deposits reflect in your account within 60 seconds. No minimum deposit — start with as little as $1 equivalent.
Choose from 1500+ crypto assets. Our platform shows you the live market rate — the same rate you see is the rate you trade at. Select the amount, confirm, and your trade executes instantly. Buy BTC, ETH, USDT, BNB, SOL, XRP, USDC and hundreds more.
When selling, funds are pushed directly to your mobile money account — M-Pesa, MTN, Airtel, Wave — within 3 minutes on average. When buying, crypto lands in your Digital Pesa wallet or any external wallet address you choose. Withdrawals are processed 24/7 with no delays.
On the P2P marketplace, real people in your country post live offers to buy or sell crypto. You'll see each trader's price (often better than the spot rate), their payment methods, their completion rate, and average trade speed. Filter by country, currency, payment method, and asset.
Click "Trade Now" on any offer. The moment you initiate, Digital Pesa's escrow system automatically locks the exact crypto amount from the seller's wallet. Neither party can cancel once the escrow is active — your funds are always protected.
Send payment directly to the seller using the payment method they listed — mobile money, bank transfer, or cash. Upload your payment confirmation in the trade chat. The seller receives your proof, verifies it, and confirms release. You have a 15-minute window to pay.
Once the seller confirms your payment, the escrowed crypto is automatically released to your Digital Pesa wallet within seconds. If there's any dispute, our 24/7 dispute resolution team steps in — buyers are always protected.
Our OTC (Over-the-Counter) desk serves institutional traders, businesses, and high-net-worth individuals who need to move large volumes of crypto without causing market slippage. Minimum trade size is $10,000 equivalent. Maximum: unlimited.
Contact our OTC desk via the platform, WhatsApp, or dedicated email. Specify the asset, quantity, and your preferred settlement currency. A dedicated OTC trader will respond within minutes with a firm quote — locked for 30 seconds so you can decide.
Accept the quote and send your funds. Our desk sources liquidity from multiple exchanges simultaneously to give you the best price with zero market impact. The trade settles immediately — no order books, no slippage, no partial fills.
All OTC trades settle on the same business day (T+0). Crypto is delivered to any wallet address. Fiat settles to bank accounts in Nigeria, Kenya, Ghana, Senegal, South Africa, or internationally via SWIFT. Full transaction reports provided for accounting.
Use the Agent Finder on our website or app to find the closest Digital Pesa agent. With 3,200+ agents across 26 countries, there's always one nearby. Each agent is fully vetted, bonded, and licensed by Digital Pesa. You can filter by country, city, mobile money accepted, and hours of operation.
Simply walk into the agent location with your phone and a valid ID. No pre-booking, no paperwork, no bank account needed. Most agents operate from shops, kiosks, or market stalls — easy to find and easy to use. Tell the agent how much you want to buy or sell and which crypto.
Give the agent your cash (local currency). They input the trade into the Digital Pesa system using their agent terminal. You'll receive an SMS or WhatsApp confirmation of the transaction. The agent can also receive mobile money from you if you prefer not to use cash.
If you're buying: crypto is sent directly to any wallet address you provide — or held in a Digital Pesa custodial wallet if you don't have one yet. If you're selling: the agent pays you cash on the spot, right there. No waiting, no delays. The entire process takes 5–10 minutes in person.
When you sell crypto on Digital Pesa, funds land in your preferred payment method — fast. We support every major mobile money network and bank transfer system across Africa.
Sell Crypto Now →Every trade goes through a six-step internal process that takes under 3 seconds — ensuring you get the best price, your funds are safe, and settlement happens immediately.
See It in Action →The Digital Pesa app is built for Africa — works on low-end Android phones, low-bandwidth networks, and even USSD for areas without smartphone access. Clean, fast, no clutter.
Every feature we've built starts with one question: how do we protect our users? Here's exactly what safeguards your money on every trade.
All P2P funds are held in a multi-signature smart escrow contract. No single party — including Digital Pesa — can unilaterally release funds. Both parties must confirm before crypto moves.
Every user is KYC-verified before trading. Every transaction is monitored in real time against AML databases. Suspicious activity is flagged and frozen automatically, keeping bad actors out.
All data — your identity documents, wallet addresses, transaction history — is encrypted with AES-256 at rest and TLS 1.3 in transit. Your personal data is never sold or shared.
Every P2P trade dispute is reviewed by a trained arbitration team within 2 hours. Buyers are fully protected — if a seller does not release after confirmed payment, we release the escrow for you.
Over 95% of digital assets held in custody are stored in offline cold wallets, secured in bank-grade vaults. Only operational liquidity remains in hot wallets with strict withdrawal limits.
Every account is protected by 2FA by default — choose SMS, authenticator app, or biometric. Withdrawals require a separate 2FA confirmation, even if your password is compromised.
Monitor all active sessions on your account. New device logins trigger an approval request to your registered phone. Instantly revoke any device at any time from your security settings.
Everything you need to know before your first trade.
No bank account. No experience needed. Just your phone and an ID. Your first trade is on us.