Instant Settlement
Real-time fund transfers across all supported countries and networks. When you send, your recipient receives — immediately, every time.
Powered by
Choice Bank
Live · Kenya · Somalia · Ethiopia
East Africa's trusted
cross-border payment
platform
ZIIP XIR connects individuals and businesses across Kenya, Somalia, and Ethiopia through a single, secure digital wallet — bridging M-Pesa, EVC Plus, Telebirr, and major local banks with real exchange rates and zero hidden fees.
256-bit AES encryption
CBK · CBS · NBE regulated
Instant settlement
Pan-Africa vision
Powered by Choice Bank
ZIIP XIR Transfer
Kenya
M-Pesa · KCB · Equity Bank
KES
10,000
Instant
Somalia
EVC Plus · Dahabshiil · Premier Bank
USD
77.20
Exchange rate
Live market rate
Transfer fee
Shown before sending
Arrival
Instant
Compliance
KYC Verified
Also send to:
Ethiopia
Kenya
Ethiopia
Kenya
Platform Features
Built for the complexity of cross-border finance in Africa
From regulatory compliance to instant settlement, ZIIP XIR handles every layer of cross-border infrastructure so your money moves — reliably, safely, and transparently.
Live, Transparent FX Rates
See the exact exchange rate and fees before you confirm. KES, USD, and ETB conversions at live market rates with no surprise deductions on delivery.
KYC & AML Compliance
Full identity verification and anti-money laundering controls built in — aligned with CBK (Kenya), CBS (Somalia), and NBE (Ethiopia) requirements.
Mobile Money First
M-Pesa, EVC Plus, Zaad, and Telebirr are treated as first-class citizens. Send to a mobile wallet just as easily as a bank account.
Bank & Wallet Integration
Linked to major commercial banks across all three countries. Fund your ZIIP wallet from your bank, or receive directly to your account.
Full Transaction Audit Trail
Every transfer is logged with timestamps, exchange rates, confirmations, and receipts — giving you and your business a complete financial record.
Real-Time Notifications
Instant SMS and in-app alerts for every transaction event — send confirmations, receipt alerts, and compliance notifications delivered immediately.
Business & API Access
Payroll disbursements, supplier payments, and bulk transfers for businesses. API access available for fintechs and enterprises building on our rails.
Multi-Layer Security
256-bit AES encryption, multi-factor authentication, transaction PINs, device binding, and real-time fraud scoring on every transaction.
Supported Networks
One wallet, every major network across East Africa
ZIIP XIR integrates with the dominant mobile money platforms and commercial banks in each country — so your recipients can receive funds however they prefer.
Kenya
KES — Kenyan ShillingCBK
M-Pesa (Safaricom)
Airtel Money
KCB Bank
Equity Bank
Co-operative Bank
NCBA Bank
Absa Kenya
+ more banks
Somalia
USD / SOSCBS
EVC Plus (Hormuud)
Zaad (Telesom)
Dahabshiil
Premier Bank Somalia
International Bank of Somalia
Salaam Bank
+ more networks
Ethiopia
ETB — Ethiopian BirrNBE
Telebirr (Ethio Telecom)
Commercial Bank of Ethiopia
Awash Bank
Dashen Bank
Bank of Abyssinia
Oromia Bank
+ more banks
How It Works
Send money across East Africa in 3 steps
ZIIP XIR makes cross-border transfers as straightforward as sending a text message — with the compliance and security of a licensed financial institution.
01
Verify Your Identity
Create your account and complete a one-time KYC check using your national ID, passport, or residence permit. Done in minutes, valid permanently.
02
Fund Your Wallet
Load your ZIIP XIR wallet from M-Pesa, EVC Plus, Telebirr, or any linked bank account. Funds appear immediately — no delays, no minimum amounts.
03
Send Across Borders
Select recipient country and network, enter their number or account, review the live rate and fee — then confirm. Money arrives at their wallet instantly.
Every step is encrypted, logged, and monitored in real time
All transfers processed within our licensed compliance framework
Agency Model
Powered by a growing network
of trusted local agents
ZIIP XIR extends beyond the app through a certified network of on-the-ground agents across Kenya, Somalia, and Ethiopia — bringing digital financial services to every neighbourhood, town, and border community.
What is the ZIIP XIR Agency Model?
Our agents are vetted, trained, and certified local business owners — shopkeepers, kiosk operators, and mobile money dealers — who act as physical touchpoints for the ZIIP XIR platform. They bridge the gap between cash and digital money, serving customers who may not have a smartphone, a bank account, or reliable internet access.
Every agent operates under ZIIP XIR's compliance framework, backed by Choice Bank's banking infrastructure. Customers deal with a known face in their community — while ZIIP XIR handles the regulatory, security, and settlement layer behind the scenes.
Growing Network
Agents across Kenya, Somalia & Ethiopia
Fully Certified
All agents trained & verified by ZIIP XIR
Cash-In / Cash-Out
Bridging cash and digital in one step
Commission Earnings
Agents earn on every transaction processed
For Customers
Walk in. Send money. Walk out.
-
Cash deposits accepted Hand over cash — your ZIIP wallet is credited instantly, ready to send across borders.
-
Cash withdrawals at any agent Receive funds digitally, collect cash from the nearest ZIIP agent at no complexity.
-
KYC registration assistance Agents help first-time users complete identity verification — no technical knowledge needed.
-
Cross-border sends on your behalf No smartphone? No problem. The agent initiates your transfer — you confirm and collect the receipt.
-
Agents near you, always A growing footprint of agents in cities, towns, markets, and border crossings across all three countries.
For Agents
Grow your business with every transaction.
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Earn commission on every transaction Competitive commission structure on cash-in, cash-out, and cross-border transfers processed through your outlet.
-
Full training & onboarding ZIIP XIR trains every agent on platform use, compliance requirements, fraud prevention, and customer handling.
-
Backed by Choice Bank Agents operate within a fully licensed banking framework — your float is protected and settlements are guaranteed.
-
Dedicated agent support line A dedicated support channel for agents — resolve issues quickly and keep your business running without interruption.
-
ZIIP XIR Certified Agent status Certified agents receive branding, signage, and priority listing in the ZIIP XIR agent locator — driving footfall to your outlet.
Become a ZIIP XIR Agent
Join our certified agent network and start earning from cross-border transfers in your community.
01
Submit Application
Complete our agent application form. We review business type, location, and trading history.
02
Verification & Training
Our team verifies your identity and business credentials, then provides full platform training.
03
Go Live & Earn
Receive your agent credentials, branding kit, and float. Start processing transactions and earning commission immediately.
Agent enquiries: agents@ziipxir.com
Transfer Corridors
6 fully operational money corridors
Send and receive in any direction across Kenya, Somalia, and Ethiopia. All corridors are bi-directional and always active.
Kenya
KES
Somalia
USD
Ethiopia
ETB
Hub
Kenya
Somalia
Kenya
Ethiopia
Somalia
Ethiopia
Active Now
Active Now
Active Now
Kenya
KES — Kenyan Shilling
- M-Pesa (Safaricom)
- Airtel Money
- KCB Bank
- Equity Bank
- Co-operative Bank
- NCBA, Absa & more
Regulated · CBK
All corridors
bi-directional
Somalia
USD / SOS
- EVC Plus (Hormuud)
- Zaad (Telesom)
- Dahabshiil
- Premier Bank Somalia
- International Bank of Somalia
- Salaam Bank
Regulated · CBS
All corridors
bi-directional
Ethiopia
ETB — Ethiopian Birr
- Telebirr (Ethio Telecom)
- Commercial Bank of Ethiopia
- Awash Bank
- Dashen Bank
- Bank of Abyssinia
- Oromia Bank & more
Regulated · NBE
Why Trust ZIIP XIR
Institutional-grade infrastructure.
Built for everyday people.
We handle your money the way a bank does — with strict compliance, deep security, and total accountability — but with the speed and simplicity of a modern app.
Multi-Jurisdiction Licensed
ZIIP XIR operates within the regulatory frameworks of the Central Bank of Kenya (CBK), Central Bank of Somalia (CBS), and National Bank of Ethiopia (NBE). Every transaction is processed under a licensed financial services framework.
AML & KYC Built-In
We enforce Anti-Money Laundering and Know Your Customer checks on every account — not as an afterthought, but as a core part of the platform architecture. Suspicious activity triggers automatic review by our compliance team.
Bank-Grade Encryption
All data in transit and at rest is protected with 256-bit AES encryption — the same standard used by international banks. Our infrastructure is hosted in ISO 27001-certified secure data centres.
24/7 Fraud Intelligence
Real-time transaction monitoring analyses every transfer for anomalies, unusual patterns, and potential fraud — automatically flagging and blocking suspicious activity before funds move.
Dedicated Compliance Team
Our in-house compliance team reviews flagged transactions, responds to regulatory requests, and continuously updates our controls in line with evolving East African financial regulations.
24/7 Human Support
Real people available around the clock. Whether it's a transaction query, an account issue, or a compliance question — our support team responds quickly and professionally in multiple languages.
AML Compliant
KYC Verified
256-bit AES Encrypted
ISO 27001 Infrastructure
CBK · CBS · NBE Regulated
Real-Time Fraud Monitoring
Powered by Choice Bank
Our Vision
Starting in East Africa.
Building for all of Africa.
Africa has 54 countries and over 1.4 billion people — but cross-border payments remain slow, expensive, and fragmented. ZIIP XIR is building the financial rails that will change that, one corridor at a time.
Phase 1 — Live Now
Kenya
Somalia
Ethiopia
Fully operational. Send money between all three countries with instant settlement across mobile money and bank networks.
Phase 2 — Coming Soon
Uganda
Tanzania
Rwanda
Djibouti
Expanding our East African footprint. Regulatory applications in progress across the East African Community (EAC).
Phase 3 — The Africa Vision
Nigeria
Ghana
South Africa
+more
A pan-African payment network connecting all 54 nations — enabling money to move as freely as people do across the continent.
"Financial borders should not exist. Every African — whether in Nairobi, Mogadishu, Addis Ababa, Lagos, or Accra — deserves fast, affordable, and dignified access to cross-border payments."
— The ZIIP XIR TeamSecurity
Your money is safe at every step
Security is not a feature — it is the foundation. Every system, process, and decision at ZIIP XIR is built around protecting your funds and your data.
256-bit AES Encryption
All financial data and communications are encrypted end-to-end with 256-bit AES — the global standard used by central banks and international financial institutions.
Real-Time Fraud Intelligence
Every transaction is scored by our fraud detection engine in milliseconds. Anomalies are flagged and blocked automatically, protecting your account before any harm can occur.
Tri-Jurisdiction Compliance
We operate within the AML and KYC frameworks of three central banks — CBK, CBS, and NBE — with our compliance team continuously monitoring for regulatory changes.
Multi-Factor Authentication
PIN codes, biometric verification, device binding, and one-time passwords — multiple authentication layers ensure that only you can access and authorize transactions.
Secure Data Infrastructure
All user data is stored in ISO 27001-certified data centres with strict access controls, automated backups, and zero single points of failure.
Full Transaction Audit Logs
Every action on the platform — deposits, transfers, logins, and changes — is immutably logged and available for regulatory audit or dispute resolution at any time.
Get Started
Ready to move money across
East Africa — and beyond?
Whether you're an individual sending money home, or a business processing payroll across borders — ZIIP XIR is ready to serve you.
Regulated · Compliant · Secure
Kenya · Somalia · Ethiopia
Powered by Choice Bank