Licensed FX marketplace · Kenya
Exchange currency without the guesswork.
Compare live rates from licensed FX desks, lock a firm quote, and settle through a wallet where your money sits in escrow until the deal is fulfilled — not before.
CBK-aligned KYB · Didit-verified identity · M-Pesa, Pesalink & card settlement
The mechanics
Three steps, one custodial rail underneath.
Compare
Every licensed desk's live buy and sell rates, side by side. No calling around, no walking between bureaus.
Lock
A quote is firm for a fixed window. What you see is what settles — the rate doesn't drift while you decide.
Move
Pay by M-Pesa, Pesalink, or card. Funds sit in escrow until the merchant fulfils, then your wallet is credited.
How it works
The full lifecycle of a deal, already built.
Compare live rates
Every licensed desk publishes buy and sell rates in real time. The best rate for your pair is surfaced automatically.
Lock a firm quote
Once you lock, the rate is fixed for a short window. The merchant has committed to fulfil at exactly that price.
129.61 KES
Firm for 00:58 · rate cannot move
Pay in
Settle via M-Pesa STK push, a Pesalink transfer, or card. Whichever rail fits — the escrow step is identical after.
M-PesaPesalink
Funds held in escrow
Your payment doesn't reach the merchant on receipt. It sits custodied until they fulfil their side of the deal.
Funds sit in a custodial ledger wallet, separate from operating accounts, until the merchant confirms fulfilment.
Instant wallet settlement
The moment the merchant fulfils, escrow releases and your wallet is credited — no manual reconciliation wait.
Wallet balance
USD 380.00
For merchants
Bring your FX desk online without the operational overhead.
Licensed forex bureaus post rates directly and reach every customer browsing the marketplace — no new counter staff, no separate settlement rails to manage.
- Publish live buy/sell rates customers lock instantly
- Settle from escrow-protected inventory wallets
- Set your own markup, plan and payout schedule
Security & compliance
Built for a regulator to look at, not just a user.
This is custodial infrastructure. The compliance tooling isn't a checkbox added later — it's the same control plane Northbit Labs' own team uses to run the platform.
- Identity verification
- Every customer's identity is checked through Didit's hosted document and liveness flow before their first trade.
- Custodial ledger
- Customer funds are tracked in a double-entry ledger, separate from operating capital, at every step of a deal.
- AML monitoring
- Transaction patterns are screened for velocity and threshold triggers aligned with CBK expectations.
- Full audit trail
- Every privileged action — approvals, payouts, plan changes — is logged and reviewable by compliance.
Plans
Trading is free. Transparency is a subscription.
Merchant desks run on a separate negotiated plan — reach out from the merchant portal once you're onboarded.
Free
Compare and trade with masked merchant identities.
KES 0
- Live rate comparison
- Lock and settle deals
- M-Pesa, Pesalink, card
Premium
See exactly which desk you're trading with.
KES 500/month
Everything in Free, plus
- Unmasked merchant names & logos
- Priority quote refresh
Coming soon
A Forexia card is on the way.
Spend straight from your wallet balance without moving funds out first. We're opening early access to a first batch of users once it's ready.
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Questions
Before you ask support.
Funds move into a custodial ledger wallet operated by Northbit Labs the moment you pay in. They're held there, separate from merchant and operating accounts, until the merchant fulfils your locked deal — at which point your wallet is credited.
A locked quote has a fulfilment window. If it expires unfulfilled, the deal is cancelled and any escrowed funds are returned to your wallet — you're never left exposed to a merchant that doesn't deliver.
Through Didit's hosted verification flow — document capture and a liveness check, run before your first trade. We don't build or store the biometric capture ourselves.
Yes. The Free tier gives you full trading access with masked merchant identities. Premium just shows you exactly which desk you're quoting.
Through the same escrow-protected pipeline, reconciled against their posted rates and fulfilled deals — visible in real time from the merchant portal.
