A powerful P2P finance gateway. Trade USD with MWK instantly. Withdraw via Airtel, TNM, or bank.
KulaPay bridges local mobile money and global USD rails. We give users full control over cross-border payments — no banks, no delays, no crypto speculation.
Built-in escrow protection ensures safe trades between users with verified identities.
Hold real USD balance that's always available, not speculative crypto assets.
Deposit/withdraw via Airtel Money, TNM Mpamba, or bank transfers.
Secure identity verification with full admin protection and monitoring.
Perfect for freelancers, informal traders & remote workers across Africa.
KulaPay works for all your cross-border financial needs
Get paid from abroad clients without expensive international transfers
Accept USD payments from international customers easily
Exchange currency at fair rates without middlemen
Receive support from family abroad without high fees
Send funds home to loved ones quickly and affordably
Secure digital dollar storage with seamless local conversion
Securely store your USD balance with our TRC-20 wallet technology
Transfer USD to other KulaPay users instantly with no fees
View complete records of all your deposits, transfers and exchanges
TRC-20 USDT technology ensures your funds are always safe
Easily exchange your USD to Malawian Kwacha at fair rates
Our P2P exchange makes it easy to buy and sell USD balance using local currency (MWK)
Filter buyers/sellers by verification status, trade volume, and ratings
Create offers with your preferred exchange rates and amount limits
Pay using Airtel Money, TNM Mpamba, or direct bank transfers
Upload screenshots or receipts to confirm transactions
Funds are locked in escrow until both parties confirm completion
Rate your trading partners to build trust in the community
Admin support and full audit trail for any transaction issues
Real stories from Africans using KulaPay every day
"As a freelance designer, KulaPay has saved me so much money on international transfers. My clients can pay me in USD and I get MWK in my Airtel account the same day!"
"I import goods from China and KulaPay lets me pay suppliers in USD while funding my account with MWK from my TNM Mpamba. The escrow system gives me peace of mind."
"My son studies in South Africa and sends money home through KulaPay. It's faster and cheaper than any other option we've tried. The app is so easy to use!"
Your money and data are safe with KulaPay
All documents are securely encrypted at rest and in transit
bcrypt algorithm protects all user credentials
Add an extra layer of security with two-factor authentication
Every action is recorded for complete transparency
Your data is protected with regular encrypted backups
USDT transactions secured by Tron network technology
KulaPay is not a crypto exchange. We are a Digital Financial Access Platform — compliant and focused on enabling secure remittance, P2P trade, and value access.
Working toward full licensing and compliance with RBM regulations
Adhering to all financial service quality and security standards
We're constantly improving KulaPay for our users
Direct integration with Airtel & TNM for instant transfers
Support for more African currencies and languages
Instant alerts for trades, deposits and withdrawals
Live USD/MWK rate calculator built into the app
Independent third-party resolution for trade issues
Join thousands of Africans moving money smarter. Trade USD. Get paid. Send support. All from your phone.
Create Your Free Account