Money + Points 9 Currencies • 1 Point = 1 Shilling • Free Transfers
Sign In Open Free Wallet
One Simple Wallet Hold Real Money in 9 Currencies • Earn & Spend Points (1 Point = 1 Shilling)

Hold Real Money & Points in One Wallet. Pay Anyone, Anywhere.

Keep your money in KES, USD, EUR, GBP, CNY, AED, UGX, TZS, or RWF alongside all the loyalty points you earn across our ecosystem. Top up in seconds, send money to friends for free, pay any business, or withdraw anytime to your Mobile Money or Bank account.

Open Your Free Wallet How You Earn & Redeem Points ↓
Personal Wallet

Amina Hassan (+254712345678)

Active
Primary KES Balance Account: 4601-8841-92
KES 84,250.00
USD Balance $420.00
CNY Balance Β₯3,850.00
Points 1,250 pts
⚑ Top Up πŸ’Έ Send Money πŸͺ Cash Out
Instant Wallet Top-Ups

Add Money in Seconds Using M-Pesa, Airtel Money, Card, or PesaLink.

Top up your wallet from M-Pesa, Airtel Money, any debit or credit card, or a direct PesaLink bank transfer. Your balance updates right away so you can spend or send immediately.

See All Payment Methods ↓ Look Up Any Wallet →
Ways to Add Money Instant
1. M-Pesa
Direct PIN prompt on your phone or Paybill
< 2s
2. Airtel Money
Fast mobile prompt straight to your line
Instant
3. Debit & Credit Card
Local and international cards in KES or USD
Secure
4. PesaLink Bank Transfer
24/7 instant transfer from any bank account
24/7
Free Wallet Transfers • Pay Any Business • Instant MoMo & Bank Withdrawals

Send Money Free to Friends — Or Withdraw Directly to M-Pesa, Airtel & Bank.

Sending money between personal wallets is 100% free. Pay any business in our ecosystem using their 6-digit merchant code, pay external businesses via Paybill or Till, and withdraw funds anytime to your own M-Pesa, Airtel Money, or bank account via PesaLink.

How MoMo & Bank Withdrawals Work ↓ See Transfer Fees →
Simple, Clear Pricing No Hidden Fees
Person to Person (Internal Wallet)
Instant transfer in any supported currency
0% FREE
Pay a Business in Our Ecosystem
Business chooses who covers the fee • Earn points
1.5% + Pts
Withdraw to M-Pesa, Airtel Money or Bank
Instant payout to your mobile money or PesaLink bank
1.0% Fee
Cross-Border Payments • Run Multiple Businesses

Pay Suppliers Abroad — And Manage All Your Businesses Separately.

Convert between currencies and pay overseas suppliers in China (CNY), Dubai (AED), Europe (EUR), the UK (GBP), or the US (USD). Plus, from your personal account, you can create any number of businesses and manage each business wallet separately.

See Cross-Border Corridors ↓ Explore Business Wallets →
Cross-Border & Business 9 Currencies
πŸ‡¨πŸ‡³ China (CNY) Supplier Payments
Direct RMB payouts to factories & exporters
Same Day
πŸ‡¦πŸ‡ͺ Dubai (AED) & Global Transfers
Fast settlements in AED, USD, EUR & GBP
Fast FX
🏒 Create Unlimited Businesses
Each with its own wallet, balances & merchant code
1 Login
1 Pt = 1 KES
1 Point = 1 Shilling Across Our Entire Ecosystem
9 Currencies
KES, USD, EUR, GBP, CNY, AED, UGX, TZS & RWF
0% P2P Fee
Free Personal Wallet-to-Wallet Transfers
4 Top-Up Rails
M-Pesa, Airtel Money, Card & PesaLink
Real Money & Ecosystem Points

Earn cashback on every shilling. Redeem your points anywhere.

Your Jayb wallet holds both real money and loyalty points (1 Point = KES 1.00). Earn points automatically from everyday transactions and spend them just like cash.

Open Your Wallet Check Your Balance →
1. How You Earn Points Automatic Rewards

Earn Points Across Every Activity

Points are added to your wallet automatically whenever you shop, pay bills, ship goods, or pay a business:

  • πŸ›οΈ Shop at Partner Stores & Online Shops +1 to 2 pts / 100
  • πŸͺ Pay Any Ecosystem Business +1 pt / KES 100
  • ✈️ Book & Pay Cargo Shipments +50 Bonus Pts
  • 🏠 Pay Rent, Invoices & Utilities +2% Cashback Pts
βœ“ Points never expire as long as your wallet stays active
2. How You Redeem Points 1 Point = 1 Shilling

Spend Your Points Just Like Cash

Every point is worth KES 1.00. Use your points anytime at checkout or inside your wallet:

  • 🧾 Get Instant Discounts at Checkout 1 Pt = KES 1 Off
  • 🚚 Offset Shipping, Rent & Service Bills Pay with Points
  • πŸ’΅ Convert Points into Wallet Cash Instant Credit
  • βš–οΈ Offset Business Transaction Fees 100% Fee Rebate
βœ“ Combine points + wallet balance on any purchase
3. Real Money & Business 9 Currencies

Hold, Send & Withdraw Real Money

Top up your wallet and transact with anyone β€” whether they are in our ecosystem or on an external network:

  • ⚑ Top Up via M-Pesa, Airtel, Card, PesaLink Instant
  • πŸ’Έ Send to Personal Wallets 0% Free
  • 🏦 Withdraw to M-Pesa, Airtel & Bank Instant
  • 🏒 Create & Manage Multiple Businesses Separate Wallets
Explore Jayb for Businesses →
Multi-Currency Wallet

Hold Balances in Any Combination of 9 Currencies

Open currency balances on demand and convert between regional and global currencies at live exchange rates with zero monthly maintenance fees.

Instant Currency Conversion
πŸ‡°πŸ‡ͺ Kenyan Shilling KES

Top up and withdraw via M-Pesa, Airtel Money, Card & PesaLink

Primary Local Currency 1 KES ≈ 1.00 KES
πŸ‡ΊπŸ‡Έ US Dollar USD

Hold dollars, accept card payments & pay international invoices

Global Reserve & Trade 1 USD ≈ 129.50 KES
πŸ‡¨πŸ‡³ Chinese Yuan (RMB) CNY

Pay factories and suppliers in Mainland China directly in RMB

China Supplier Payments 1 CNY ≈ 17.95 KES
πŸ‡¦πŸ‡ͺ UAE Dirham AED

Same-day dirham settlements for UAE suppliers & cargo

Dubai Trade Corridor 1 AED ≈ 35.25 KES
πŸ‡ͺπŸ‡Ί Euro EUR

Hold euros and settle European supplier invoices

European Trade 1 EUR ≈ 140.20 KES
πŸ‡¬πŸ‡§ British Pound GBP

Hold pounds and send or receive UK transfers

UK Payments 1 GBP ≈ 164.80 KES
πŸ‡ΊπŸ‡¬ Ugandan Shilling UGX

Cross-border East African transfers and merchant payments

East Africa Regional 1 UGX ≈ 0.035 KES
πŸ‡ΉπŸ‡Ώ Tanzanian Shilling TZS

Regional trade and cross-border wallet transfers

East Africa Regional 1 TZS ≈ 0.049 KES
πŸ‡·πŸ‡Ό Rwandan Franc RWF

Instant regional commerce and wallet balances

East Africa Regional 1 RWF ≈ 0.096 KES
Instant Universal Payments

Pay anyone, across any network or bank, in seconds

Top up with M-Pesa, Airtel Money, Card, or PesaLink. Transact with any business whether they are in our ecosystem or not, send money to friends for free, and withdraw anytime to your own Mobile Money or Bank account.

0% FEE

Free Internal P2P Transfers

Sending money from one personal Jayb wallet to another personal Jayb wallet is 100% free across all 9 supported currencies.

Individual → Individual: KES 0.00
+1% POINTS

Pay Ecosystem Businesses

Pay any business in our ecosystem using their 6-digit merchant code or phone number. The business chooses whether they cover the fee, pass it to the buyer, or split it 50/50.

Earns 1 pt per KES 100 spent
ANY NETWORK

Pay External Businesses & Banks

Send money to any external Paybill, Buy Goods Till, M-Pesa number, Airtel Money line, or bank account via PesaLink.

External Transfer: 1.2% (min KES 15)
MOMO & BANK

Withdraw to MoMo & Bank

Withdraw funds anytime straight from your Jayb wallet to your own M-Pesa, Airtel Money, or bank account via PesaLink with instant settlement.

1.0% Fee • Instant MoMo & PesaLink
Cross-Border Payments

Pay suppliers in China & Dubai and transact across our entire ecosystem

Send cross-border payments with locked exchange rates and instant settlement across retail, logistics, and property platforms in our ecosystem.

Retail & Shops

Pay in-store or online, earn points on every order, and settle directly to MoMo or bank.

Global Suppliers & Cargo

Settle China CNY & Dubai AED suppliers and pay freight invoices in one click.

Rent & Everyday Bills

Pay rent and recurring bills via PesaLink or mobile money and earn cashback points.

Instant Wallet Lookup

Check Any Wallet or Merchant Code

Enter a phone number or 6-digit merchant code to view points and currency balances:

Web App + Full REST API Read API Docs →