Save smarter. Pool money with friends.
Pay anyone anywhere & earn rewards.
Accept payments across Africa and take total control of your money with Jayb. Build dedicated target savings vaults, participate in transparent, interest-free Ayuuto circles with family and peers, pay across mobile networks and banks in seconds, and get rewarded with cashback points on every single transaction to pay future bills.
Amina Hassan's Wallet
Build emergency cushions & reach your goals without bank fees eating your money
Say goodbye to ledger deductions and surprise maintenance charges. Jayb lets you lock target savings, automate discipline, and ring-fence money for what matters most.
Custom Goal Pockets
Create separate vaults for school fees, rent on real.ke, business capital, medical emergencies, or holiday travel. Money in your target vault is protected from accidental day-to-day spending.
Automated Weekly Rules
Set hands-free savings rules that match your pay cycle. Save KSh 500 every Friday or round up your daily purchases to the nearest KSh 100, depositing the change into your vault automatically.
Zero Fees & Non-Custodial Safety
No minimum deposit balances, no monthly ledger management charges, and no inactivity penalties. Your money is segregated and safeguarded by licensed commercial banking partners.
Ayuuto: The social savings circle anyone can understand and trust
Whether you know it as Ayuuto, Hagbad, Chama, Esusu, or Merry-Go-Round, this time-tested tradition has helped families and communities save for generations. Jayb brings it into the digital era with automated deductions, transparent rotation schedules, and locked escrow safety.
How an Ayuuto Circle Works on Jayb 100% Interest-Free
Simple, honest peer-to-peer solidarity with zero interest, zero fees, and zero middleman loans.
Create or Join a Circle
A trusted group of 5 to 12 friends or family members join a circle. You decide the amount (e.g., KSh 10,000 each) and the payout frequency (monthly or bi-weekly).
Automated Contributions
No more chasing people or awkward reminder calls. Jayb automatically deducts each member's KSh 10,000 on the agreed due date and locks it into an escrow account.
Lump-Sum Payout Turn
Every round, one member receives the full lump-sum pot (e.g. 10 members × KSh 10,000 = KSh 100,000). Use it for school fees, rent, or a major purchase.
Fair, Complete Cycle
The cycle continues until every single member has received their lump sum. Transparent logs and automated receipt notifications keep everyone completely in sync.
Zero Interest (Riba-Free)
100% Sharia-compliant financial solidarity. You receive exactly what you contribute over the cycle without interest or penalty fees.
Locked Escrow Protection
Funds are stored in segregated partner bank escrow accounts. No circle leader can misappropriate or lose collective funds.
Automated SMS Reminders
Members receive advance SMS warnings before deduction dates and instant confirmation receipts once the pot dispatches.
Direct Payout Options
When your turn arrives, send the lump sum to your M-Pesa, bank account, or use it directly to pay an overseas supplier or merchant.
Pay anyone, across any network or bank, in seconds
Tear down the walls between different mobile money operators and banks. Send money to anyone with just a phone number.
Cross-Network Mobile Freedom
Send money effortlessly between Safaricom M-Pesa, Airtel Money, Hormuud EVC+, Telesom Zaad, Dahabshiil eDahab, and Ethio Telecom Telebirr. No complicated swap agents needed.
Instant Bank Clearing
Push funds directly into any commercial bank account (Equity, KCB, Cooperative, NCBA, Stanbic) via instant Pesalink. Available 24/7 with immediate payment delivery.
Free P2P & Bill Splitting
Sending money between friends on Jayb is 100% free. Split restaurant tabs, share cab fares, or contribute to family fundraising pools with clean, transparent tracking.
Earn cashback on every shilling. Use it to pay your next bill.
Why should card networks keep all the interchange points? Jayb rewards you directly every time you pay a merchant, transfer funds, or settle an invoice.
1 Point = 1 Shilling.
Direct cash discounts, zero expiration.
Every KES 100 you spend or send on partner stores earns you 1 Jayb Point. Unlike complicated frequent-flier programs, 1 point is literally worth KSh 1.00 when checking out across our ecosystem.
Use your accumulated points balance to pay KPLC electricity tokens or Nairobi Water bills.
Apply points directly at checkout on retail purchases across Eastleigh SME Hub to shave thousands off purchases.
Worth KSh 1,250.00 toward your next transaction
Pay suppliers in China & Dubai or send family remittances abroad
Whether you run a small side hustle importing goods through cargo.ke or support family across East and Central Africa, Jayb connects you to wholesale foreign exchange corridors.
China CNY Direct Payouts
Importing shoes, electronics, or fabrics from Guangzhou or Yiwu? Pay factories directly in Chinese Yuan (CNY). Funds land in mainland Chinese bank accounts with verified invoice tracking and SMS OTP security.
Dubai AED Settlements
Pay wholesale vendors and shipping agents in the United Arab Emirates in UAE Dirhams (AED) directly from your KES or USD wallet. Avoid predatory retail bank wire markups.
Pan-African Remittances
Send money to loved ones and business associates across Somalia, Ethiopia, Uganda, Tanzania, Rwanda, and 30+ African countries at live wholesale rates.
Start saving, pooling, and earning rewards today
Join thousands of smart savers, diaspora families, and traders across East Africa who rely on Jayb every day. Free setup in 60 seconds.