Mobile-money first
The account is a phone number
Collections and payouts across MTN, Airtel and Zamtel through one integration. Pay by handset, get confirmed in seconds — no bank required.
Kokeb Pay is the software between money and the products that move it — mobile money, cards and bank rails on one platform, with a single double-entry ledger and one source of truth for every kwacha.
Kokeb Pay started from how people here actually pay — so mobile money, feature phones and asynchronous confirmation are first-class, not integrations bolted on later.
Collections and payouts across MTN, Airtel and Zamtel through one integration. Pay by handset, get confirmed in seconds — no bank required.
Designed for the phones people carry, resolving the customer from the number. Reach isn’t gated behind a smartphone.
A collection only credits a balance when the network confirms it. Nothing is counted until the money has actually arrived.
Retries and duplicate callbacks are safe — a repeated confirmation can never double-credit or double-pay. Boring, on purpose.
ZMW first, with FX and multi-currency built into the ledger — so a second currency is configuration, not a rebuild.
Every provider sits behind one clean adapter. Add a gateway, switch a partner or go direct to a network without touching the core.
Kokeb Pay is the payments layer other businesses build on — an aggregator in its own right. One core, with clients plugging in above and the money moving below.
Payments software earns trust by being boring in exactly the right places. Kokeb Pay is built for the money to be right, the record to be unforgeable, and every kwacha to be accounted for.
Every movement is a balanced journal entry. Nothing is edited in place; corrections are new entries. The trial balance always balances.
Customer balances are reconciled daily against the money actually held in trust — proven, not asserted, with a dated audit record.
Each business’s money sits in its own ring-fenced balance. One client can never see or spend another’s funds.
Who did what, when — write-once, delete-never. Every sensitive money and admin action leaves a permanent mark.
Money-movement calls require an HMAC signature, so a leaked key alone can’t move funds. Personal data is encrypted at rest.
Balances, the ledger and the safeguarded custody figure are checked against each other — drift is caught, not discovered later.
Kokeb Pay is a technology layer. Today, money moves through a licensed provider that holds and settles it. We are building toward Bank of Zambia licensing to hold funds ourselves, in a segregated trust account, reconciled daily.
Each product moves money in and out through Kokeb Pay — so investments, disbursements, repayments and payouts all run on one supervised rail, with one set of books.
Property and energy projects, tokenised — letting people invest in assets that were previously out of reach.
Direct lending with disbursements and repayments handled on the platform.
Pooled funding for projects and businesses, collected and settled through Kokeb Pay.
Advice and investment products for retail and institutional investors.
Several of these fall under Securities and Exchange Commission oversight and are pursued on their own track.
Kokeb Pay is built by Kokeb Enterprises to make moving money in Zambia work the way this market actually behaves — one platform where every kwacha is collected, moved, safeguarded and accounted for.
The shared money layer every Kokeb product — and, in time, other businesses — plug into.
Mobile money, USSD and asynchronous confirmation are the default here, not edge cases.
In active development, Zambia first — building toward Bank of Zambia licensing.
From a single mobile-money collection to a whole ecosystem settling on one ledger — one platform, one source of truth.