Rate and fee shown upfront
One clear price before you pay. No hidden margin buried in the exchange rate.
Business payments · Europe to Kenya
Pay anyone in Kenya. In minutes, not days.
Four Pillars Digital helps European businesses pay their contractors and suppliers in Kenya. You pay in euros. They receive Kenyan shillings straight to M-Pesa or their bank account.
Pilot launching early 2027Built on licensed payment partners
Payment · EUR → KES
Paid
- To
- Contractor, Nairobi
- Paid to
- M-Pesa wallet
- You send
- €1,200.00
- Rate and fee
- Shown before you pay
- Payment created
- Euros received
- Shillings paid to M-Pesa
The problem
Paying people in Kenya still costs too much and takes too long.
European companies rely on talented developers, designers, support teams and suppliers in Kenya. Paying them usually means an international bank transfer: fees on both ends, an exchange rate you only see afterwards, and money that can take days to arrive.
8.78%
Average cost of sending money to Sub-Saharan Africa, the most expensive region in the world to send to.
14.55%
Average cost when the money is sent through a bank, the most expensive type of provider.
Source: World Bank, Remittance Prices Worldwide, Q1 2025. Figures are for sending the equivalent of US$200.
How it works
Three steps, and you always know what they'll receive.
-
Add who you're paying
Their name and either an M-Pesa number or Kenyan bank details. Save them once and pay them again in seconds.
-
See the rate and fee first
Before you confirm, you see the exchange rate, our fee and exactly how many shillings will arrive. No surprises afterwards.
-
Pay in euros. They get shillings.
Fund the payment from your business account. The money lands in their M-Pesa wallet or bank account, and our aim is within the hour.
Why Four Pillars
Built for finance teams, and for the people they pay.
M-Pesa or bank, their choice
Pay recipients the way they actually prefer to be paid in Kenya, in shillings, without them needing a foreign account.
Every payment tracked
Follow each payment from start to finish and download a receipt for your records and your accountant.
Built on licensed partners
Customer money is handled by licensed, regulated payment partners, with checks on every payment from day one.
Who it's for
European businesses that work with people in Kenya.
Tech teams
Developers and designers
Software companies and agencies paying freelancers and remote team members in Nairobi every month.
Operations
Support and back-office staff
Businesses running customer support, data or operations teams in Kenya, paid on a regular schedule.
Trade
Suppliers and partners
Companies buying goods and services from Kenyan suppliers who want to be paid faster and in full.
The road ahead
Kenya first. Then across Africa.
We're starting with one route and doing it properly. Each new route builds on the last.
- 2027
Kenya pilot
Europe to Kenya with a small group of businesses, to M-Pesa and bank accounts.
- Next
East Africa
Uganda, Tanzania and Rwanda, using the same partners and regional payment rails.
- Then
Both ways, across Africa
Payments into and out of African currencies, so money moves as easily as it does at home.
Paying someone in Nairobi shouldn't be slower, harder or dearer than paying someone in Dublin. We're starting small, with one route and a handful of businesses, and building it properly from day one.
Andy CormicanFounder, Four Pillars Digital
Questions
What you might be wondering.
Something else on your mind? Email us and you'll hear back from the founder.
Is Four Pillars Digital live yet?
Not yet. We're preparing a pilot with a small group of European businesses in early 2027. Join the pilot list and we'll be in touch as soon as places open.
Who will hold my money?
Customer money will be handled by licensed and regulated payment partners, not by Four Pillars Digital directly. We'll name our partners here once agreements are in place.
What will it cost?
You'll see the exact exchange rate and our fee before every payment. Pilot pricing will be shared with pilot customers, and our aim is to be clearly cheaper than a bank transfer.
Which countries do you cover?
To start, businesses in Ireland and the eurozone paying people and companies in Kenya. Uganda, Tanzania and Rwanda are next.
How do recipients get paid?
In Kenyan shillings, straight to an M-Pesa wallet or a Kenyan bank account. They don't need a foreign account or any new app.
Do I need to use crypto?
No. You pay in euros and recipients receive shillings. Behind the scenes we may use regulated digital settlement to make payments faster, but you never need to hold or handle crypto.
Pay people in Kenya? Join the pilot.
Tell us who you pay and how often. We'll show you what the pilot looks like and whether it's a fit for your business.
Join the pilot
Or email andy@fourpillarsdigital.ie