Your money,
moves at the speed of you.
One wallet for sending, spending, paying, and saving — across borders, cards, and currencies. Built for the way Africa actually pays.
Everything money should do, in one app.
From everyday payments to international transfers, Kirshi puts the full power of modern finance in your pocket.
Send money in seconds.
Move funds across borders at the mid‑market rate. Real‑time settlement to 50+ countries with full audit trails.
See live ratesBill Pay
Schedule utilities, subscriptions, and services straight from your wallet — never miss a due date.
Virtual Cards
Spin up disposable or recurring cards in seconds. Set limits, freeze, or delete with one tap.
Remittance
Send money home at the best rates on the market. Cross‑border transfers to 50+ countries arrive in minutes, not days.
Mobile Top-Up
Recharge any line on every major carrier — for yourself or to send airtime to family back home.
Gift Cards
Hundreds of top brands, delivered instantly. Gift to a friend or treat yourself online.
From signup to spending in three steps.
Create your wallet
Sign up in under two minutes with just your phone number. KYC happens in-app, not at a branch.
Fund instantly
Top up from your bank, card, mobile money, or by receiving from another Kirshi user — all free.
Spend everywhere
Send, pay bills, top up airtime, swipe a virtual card online, or send money home in seconds.
Bank‑grade security, designed to disappear.
Biometric login, hardware‑isolated keys, encrypted vault, 2FA on every sensitive action, and proactive fraud monitoring. The protections are everywhere — the friction is nowhere.
- Biometric & PINFace ID, fingerprint, and a 4‑digit PIN — your way.
- Encrypted at rest & in flightAES‑256 + TLS 1.3 across every service we run.
- KYC + AML compliantTier‑based KYC and continuous transaction screening.
- Real‑time fraud guardML models flag risky activity before money moves.
People talk. Here's what they say.
“Kirshi changed how I run payments. Virtual cards plus instant transfers save me hours every week — I can't imagine going back to a bank.”
“International clients pay me through Kirshi. The rates are honest, money lands in minutes, and the developer API is genuinely a joy to use.”
“Family sends me money through Kirshi and I pay rent and bills from the same app. Fees are a fraction of Western Union.”
Get the app. Get going.
iOS and Android. Set up in under two minutes. Move your money the moment you open it.