What you need to know, depending on who you are.
NexumPay serves individuals, businesses and financial institutions from the same ledger — but each gets a different door in.
Audiences
For individuals
Your NexumPay wallet is a full digital account: store money, receive payments, send to anyone else on the network, convert between currencies, and withdraw to cash-out channels — all from one balance you can see move in real time.
- Your balance is never a number someone edits directly — it's calculated fresh from the ledger, every time.
- Every send, receive and conversion is time-stamped and traceable, and shows up in your history immediately.
- Currency conversion happens inside the wallet, at a rate shown before you confirm.
- Sensitive actions — large withdrawals, new recipients — are protected with OTP verification.
- You're always in control of your saved recipients and can remove access at any time.
For businesses
A Business Wallet gives your finance team one place to collect, hold and pay — with the multi-user structure a real company needs, not a single shared login.
- Assign roles like Director, Finance Manager and Operations Manager, each with defined permissions.
- Route sensitive payments through a multi-signatory approval workflow before they execute.
- Reconcile automatically — every incoming payment is matched to its transaction record without manual work.
- Pay employees, suppliers and commissions individually or in bulk through the disbursement engine.
- Generate PDF statements for accounting, audit and tax reporting whenever you need them.
- Manage signatories and API keys from a single settings surface — see the developer docs for the full integration flow.
For financial institutions & partners
NexumPay is designed as infrastructure other institutions can build on — a settlement and ledger layer, not a competitor to be worked around.
- Token-based API access, generated from a business wallet secret — see the Developers page for the full flow.
- Every transaction produces an auditable ledger entry — debits and credits always reconcile, by design.
- Built for interoperability: the architecture anticipates future integrations with banks, mobile money operators and regional settlement providers.
- Role-based access control and permission management for any institutional user managing the integration.
- A long-term roadmap that includes card issuing, virtual accounts, agent banking and open banking APIs.
Ready to move money without the friction?
Whether you're an individual, a growing business, or an institution looking to integrate — NexumPay's team in Nairobi is ready to talk through what you need.