Let agents pay & collect.You stay in control.
Accept M-Pesa payments in chat, auto-settle PayBills and Tills, and disburse payouts with programmable guardrails and instant settlement.
Works with agent tools
Connect through MCP, OAuth, API keys, CLI, or direct HTTP.
Agent setup
One setup path per agent environment.
Install the CLI for shell-based agents, or connect through MCP, OAuth, and API keys where supported.
npm install -g lipafyCore Infrastructure
Payment controls for agent-initiated work.
A unified platform for payment intents, policy guardrails, wallet holds, verified destinations, and real-time reconciliation.
Kenyan PayBills & Tills
Instant lookup, STK push collections, and autonomous payouts for PayBills (Internet, Water, Utilities), Buy Goods Tills, and mobile money.
- 100+ verified billers
- Auto-resolved paybills
- Masked privacy
Autonomous Execution
Autonomous execution within approved policy thresholds; requests exceeding limits pause for human dashboard review.
- Sub-3s settlement
- Threshold automation
- Zero human latency
Spending Guardrails
Set daily budgets, per-payment caps, and payment rail rules. Agents operate strictly within your configured boundaries.
- Daily & monthly caps
- Per-agent scoping
- Whitelisted billers
Dual-Custody Approvals
Escrow hold protection and multi-sig sign-offs for large transactions before funds move across banking rails.
- Multi-sig review
- Separation of duties
- Immutable audit logs
How Lipafy works
Prepare, control,
execute, reconcile.
Lipafy sits between the agent, the wallet, and supported payment rails. The agent prepares a payment, Lipafy checks the rules, and people approve when required.
Agents can act only within the rules you set.
OAuth connects supported apps once. Every payment still passes identity, balance, beneficiary, fee, spending-limit, and approval checks before money moves.
Spend limits
Daily caps, per-request caps, and category allow/block lists per key.
Human approvals
Pause over-threshold requests until the user approves or denies them.
Audit records
Every completed payment leaves a record linked to its wallet, requester, fee, and beneficiary.
Local payment rails
Send supported KES payments and M-Pesa payouts while keeping the underlying routing private.
Set the rules. Let agents act. Keep every payment in control.
Connect
Connect agents through MCP, CLI, or API.
Use OAuth where available, or scoped API keys for terminal and self-hosted agents.
npx lipafyOAuth connectors
Use the MCP endpoint in hosts that support browser-based connection flows.
Terminal agents
Run the CLI from Codex, Hermes, OpenClaw, or other shell-based agents.
API-key agents
Issue a scoped key per agent and apply spending controls.
Real-World Workflows
What you can build
with Lipafy.
Deploy AI agents that autonomously collect M-Pesa in chat, settle monthly utility bills on schedule, top up cloud float, and disburse bulk contractor payouts within strict spending policies.
WhatsApp AI Sales Bot
Collects customer M-Pesa via instant STK push in chat & auto-pays delivery riders.
Scheduled Bill Auto-Pilot
Auto-renews Safaricom Fibre, Nairobi Water & Zuku monthly with zero PIN friction.
Cloud & DevOps Float
Refills SMS API float and server compute balances within automated daily caps.
Travel & Till Concierge
Books SGR train tickets and settles merchant Buy Goods Tills within policy limits.
Get started
Add payment controls
to every agent request.
Set limits, approve requests, show fees clearly, and reconcile local payments without exposing routing credentials.