Send. Spend. Swap. Anywhere

Your gateway to Crypto Utility. Zao lets you buy, sell, and pay local merchants via PayBill or Till, all with USDT.

* Available on all Android devices

Why Choose Zao?

We combine local understanding with cutting-edge technology to give you an unmatched crypto experience.

  • Local Integration

    Our direct integration with mobile money allows for smoother transactions and significantly lower fees.

  • Simple in Design

    From buying your first USDT to paying a shopkeeper, our intuitive app makes every step clear and straightforward, even for crypto newcomers.

  • Secure & Reliable

    Built by experts in payment systems and blockchain, our platform ensures every transaction is secure and protected.

  • Stable & Efficient Transactions

    While supporting all major cryptocurrencies, Zao leverages USDT (Tether) as the primary liquidity, ensuring stable and efficient transactions for your daily needs.

How Zao works?

Getting started with Zao is quick, easy, and gets you transacting in minutes.

Download & Activate

Get the Zao app from the Google Play Store and Sign up quickly with your mobile number and email.

Fund Your Wallet

Load your Zao wallet directly from your Web3 wallet or mobile money.

Transact Freely

Pay merchants, send funds, or convert crypto back to mobile money. Experience the freedom of instant crypto utility.

About Zao

We're on a mission to make digital finance accessible, simple, and secure for everyone in Kenya and beyond.

Our Mission

At Zao, we believe in a world where digital finance is accessible, simple, and secure for everyone. Our mission is to bridge the gap between traditional banking and the power of crypto, empowering individuals and businesses to transact seamlessly in the digital economy.

Our Story

Born from a vision of truly integrated digital finance, Zao was founded by a team passionate about innovation and financial freedom. We built Zao to make crypto not just a speculative asset, but a practical tool for payments, transfers, and everyday utility.

The Team Behind Zao

Zao is powered by a dedicated team of blockchain developers, fintech experts, security specialists, and design innovators committed to building the future of finance. We bring together diverse backgrounds with a shared goal: to make crypto work for you.

Our Values

  • design_services
    Simplicity
    We design for effortless user experiences that make crypto accessible to everyone.
  • security
    Security
    Your assets and data are our top priority, protected by industry-leading security protocols.
  • public
    Accessibility
    Crypto for everyone, everywhere - breaking down barriers to financial inclusion.
  • lightbulb
    Innovation
    Constantly evolving to meet your needs and stay ahead of the digital finance curve.
Get In Touch

Frequently Asked Questions

Find answers to the most common questions, covering everything from setup to advanced features, to help you get the most out of the platform.

Zao is a mobile crypto wallet and exchange. It lets you buy and sell cryptocurrencies like USDT using local mobile money, and uniquely, pay local businesses via PayBill or Till Number directly with crypto.

Download the Zao app from the Google Play Store, sign up quickly with your mobile number, and complete a brief, secure identity verification. You'll be ready to transact in minutes.

Yes, absolutely! Zao's standout feature allows you to use your USDT to pay any local merchant via their PayBill or Till Number. They receive Kenyan Shillings instantly, while you benefit from paying with crypto.

Your security is our top priority. Zao is built with robust, industry-standard security protocols. Our team's deep expertise in payment systems and blockchain technology ensures your assets and transactions are always safe and protected.

Zao supports all major cryptocurrencies, with USDT (Tether) as our base conversion currency. This ensures stable, efficient, and readily available transactions for all your daily needs.
View All FAQs

Experience the full power of Zao

Download the app now and unlock its powerful features on your smartphone or tablet, anytime, anywhere!

* Available on all Android devices, coming soon to iPhone

Get Early Access to Zao

Want to be ahead of the curve? Get on the waitlist today to secure your spot and be one of the first to experience Zao's seamless crypto utility.

Stay Tuned

Keep an eye out for exciting news and updates from the app, as we continue to enhance your experience and introduce new features.

Schedule a Call with us

Thinking about leveraging crypto for your business or personal transactions?, feel free to reach out to us!