We combine CBK licensing, proven B2B infrastructure, and a deliberate focus on enabling partners.
Build vs. Partner
An honest comparison
The most important decision for any institution entering digital payments is whether to build or partner. Below we reflect the real cost and timeline of both paths:
18–36 months from concept to CBK-approved launch
3–6 months from agreement to live productYears of CBK engagement, legal investment, uncertain outcomesInherited immediately — CBK-approved from day oneSpecialist team, TM platform, FRC relationships, ongoing maintenanceFully built, tested, CBK-compliant — operates across all platformsIndividual negotiations with each network and bankM-Pesa, Airtel, T-Kash, PesaLink, Visa, Mastercard — all connectedKES 5–15M+ independent certification investmentCovered under Afrinet's certificationAFT protocols, FX compliance, correspondent banking — multi-year buildMzizi live — instant AFT settlement across active corridorsSubstantial upfront — technology, compliance, talentVariable cost model, scales with transaction volumeYour budget benefits your institution aloneShared — every improvement benefits all partners simultaneouslyOur core differentiators
Why institutions choose to partner, not build.
CBK Licensing as a Commercial Asset
Our PSP and E-Money Issuer licences represent years of regulatory investment. Partners don't merely access our technology — they inherit a compliance foundation that took years to build and cannot be replicated quickly or cheaply.
Kenyan DNA, Global Standards
We are a Kenyan company. We understand M-Pesa behaviour, SACCO trust dynamics, agent network realities, and CBK supervisory culture. We apply that knowledge through platforms built to ISO 27001, PCI DSS, and FATF standards.
Three Platforms, One Compliance Backbone
WaaS, Payment Gateway, and Mzizi share a single AML/CFT and regulatory reporting framework. A partner integrating across all three gets consolidated risk monitoring, unified reconciliation, and single regulatory reporting — automatically.
Last-Mile Precision for Global Processors
International processors don't need another Kenyan presence. They need compliant, instant, deeply-integrated last-mile delivery. Mzizi's AFT architecture delivers that — from international card to Kenyan mobile wallet in seconds.
The Only B2B-First Infrastructure Provider
Afrinet Global is not a consumer wallet that also sells B2B products. We are infrastructure-first — every platform, every API, and every compliance framework is designed to serve institutional partners, not to compete with them.
Diaspora Connectivity No One Else Offers
Mzizi enables Kenyans abroad to participate fully in Kenya's financial ecosystem: paying bills, servicing loans, making merchant payments, and building wealth at home — persistent financial connectivity, not just a one-off transfer.
Industry applications
Commercial Bank
A Tier-2 Kenyan bank launches a branded mobile wallet in 4 months, on Afrinet's CBK-compliant WaaS infrastructure, competing with M-Pesa without an 18-month development cycle.
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E-Commerce Merchant
A growing Kenyan retailer integrates KWS Pay once — accepting M-Pesa, international cards, and bank transfers from a single checkout, with one reconciliation report.
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Kenyan Diaspora / Mzizi:
A Kenyan in the UK pays KPLC bills, services a mortgage instalment, and sends school fees — all from one Afrinet account, automated monthly, no cash distribution required.
See How It WorksSACCO / MFI
A SACCO with 40,000 members launches branded digital wallets funded from savings balances — deepening daily member engagement without building payment infrastructure.
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