From the moment you decide to send, to the moment proof is uploaded and funds settle — in M-Pesa, MTN MoMo, Vodafone Cash, or bank transfer. Every step, no jargon.
Open Hakika, enter the amount, pick your recipient, and choose whether this is a standard transfer or a conditional payment.
Standard transfers go straight through — fast, low fee, M-Pesa on the other end. No conditions, no escrow, no waiting. This works for when you just want to send money and you trust how it will be used.
Conditional payments are different. You add a purpose — school fees, a hospital bill, shop stock — and you define what proof you need before the money releases. The recipient knows upfront what they need to provide.
Your payment moves onto the Stellar blockchain immediately. It is locked — visible to the recipient, but inaccessible to anyone until you release it.
This is what makes Hakika different. Your money does not sit with us. It does not sit with a bank. It sits on a public blockchain that no single party — not Hakika, not the recipient, not a government — can touch without your approval.
The recipient receives a notification the moment funds are locked. They can see the amount, the purpose, and the deadline. They know exactly what they need to do to unlock the money.
What if I change my mind? If no proof is uploaded before the deadline, the money automatically returns to you. You can also cancel an escrow early as long as no proof has been submitted yet.
The recipient opens their Hakika app and uploads evidence that the purpose has been fulfilled. You get a push notification the moment it lands.
Proof can be a photo, a scanned document, or a file. A school fee receipt, a hospital invoice, a photo of the goods purchased, a contractor photo of completed work. Whatever you and the recipient agreed on.
You review it on your end. Hakika does not validate the proof — you do. You know what an authentic receipt from your child's school looks like. You know what a real hospital invoice should say. That knowledge belongs with you, not an algorithm.
St. Francis Girls School — Term 3 2026 fee statement. KES 45,000. Stamped and signed by school bursar. 1 document attached.
One tap to review, one tap to release. Funds settle to the recipient's M-Pesa within seconds. You both get a confirmation.
The moment you release, the Stellar escrow settles instantly. The money converts and hits the recipient via their preferred local method — M-Pesa in Kenya, MTN MoMo in Nigeria, Ghana or Rwanda, Vodafone Cash in Ghana, or bank transfer. No waiting, no processing days, no bank delays.
Both of you receive a confirmation. The transaction is recorded permanently on the Stellar blockchain — a tamper-proof record that neither party can alter, ever.
Send money directly to M-Pesa with no conditions attached. Fast, low-fee, and just as reliable as any remittance app — but built on Stellar for near-instant settlement. Use this when you trust how the money will be spent.
For everyday sendingSend money with a condition attached. Funds lock on the Stellar blockchain until the recipient uploads your agreed proof. You review it and release — or the deadline passes and the money returns automatically.
When it matters mostSend part as free cash and part as a conditional escrow in one transaction. Fund the household costs immediately while holding school fees until the receipt arrives. One send, two outcomes.
For mixed needsBreak a large amount into tranches, each releasing on a different proof. Perfect for construction projects, business restocking over time, or any situation where progress happens in stages you want to verify.
For long projectsMost fintech apps store your money in a bank account they control. If the company goes down, your money is at risk. If a bad actor gains access, funds can be moved without your knowledge.
Hakika stores your escrow funds on the Stellar blockchain — a public ledger that no single party controls. Not us, not a bank, not any government. The conditions you set are written into the transaction itself. They cannot be changed after the fact.
Stellar was chosen because it settles in seconds, costs fractions of a cent per transaction, and has a proven track record handling billions in cross-border payments. It integrates cleanly with the mobile money rails that power Nigeria, Ghana, Kenya and Rwanda.
The transaction lives on a public ledger — anyone can verify it exists. But only your wallet address is visible. Your name, your details, the recipient's identity — none of that is on-chain.
The escrow logic is part of the transaction itself. It is not a policy that Hakika can override. If the conditions are not met, the blockchain returns the funds. We have no power to stop it.
Stellar finalises transactions in 3 to 5 seconds. Compare that to SWIFT wire transfers that take 2 to 5 business days. The moment you release, M-Pesa gets the money.
Every Hakika transaction — the escrow creation, the proof upload timestamp, the release — is recorded on the Stellar ledger permanently. You will always be able to verify what happened and when.