Send Money In Seconds
KIPS — the KAD Instant Payment System. Real-time peer-to-peer and merchant payments with settlement in under 2 seconds.
How It Works
Initiate
Enter amount and recipient — use phone number, email, QR code, or NFC tap.
Confirm
Review and authenticate with PIN, fingerprint, or face recognition.
Settle
Funds arrive in the recipient's wallet in under 2 seconds.
Receipt
Both parties receive instant push notification and digital receipt.
Key Features
Real-Time Settlement
Payments settle in under 2 seconds, 24/7/365. No batch processing, no delays.
Payment Requests
Request money from anyone. They receive a notification and can pay with one tap.
QR & NFC
Pay by scanning a QR code or tapping phones together. Works even without internet.
Batch Payments
Send payments to multiple recipients in one transaction. Ideal for payroll and disbursements.
USSD Support
Send and receive payments via USSD on any phone. No smartphone or data required.
Fraud Protection
Every transaction is screened by our AI fraud engine with 97.8% detection accuracy.
API Endpoints
/kips/sendSend instant payment to a wallet, phone, or email
/kips/requestRequest payment from another user
/kips/batchSend batch payments to multiple recipients
/kips/claimClaim a pending payment
/kips/payment/:refGet payment details by reference
/kips/historyGet payment history with pagination