A Cross-border
Financial Service Provider
The decision to explore opportunities beyond borders is not an easy one as it
often involves leaving behind loved ones, familiar places, and a way of life that
has been nurtured over time.
often involves leaving behind loved ones, familiar places, and a way of life that
has been nurtured over time.
Download the app
Download the app
We Call Them
Borderless Nomads
Spend, send, receive, convert and do more with your money across
borders — all with the Pesa app.
borders — all with the Pesa app.
A story behind the transaction that led to the genesis of Pesa.
The one profound aspect of being Nigerians living in Canada is a core principle that was instilled in our upbringing – a feeling of duty. Like many others who live abroad, we felt responsible for supporting our families and communities back home.
Tolu, now CEO of Pesa, needed to send money to Nigeria from Canada to support his brother's dreams of studying abroad. So, he opted for a cross-border payment provider to transfer the funds. And later discovered a group that offered better exchange rates. However, the risks were evident — there was no security and funds could disappear.
Frustrated by unfair rates and feeling vulnerable on an unsecured platform, Tolu reached out to his friends Yusuf Yakubu, Adewale Afolabi and Clement Ojo, all software programmers and now co-founders of Pesa. Together, they aimed to bridge the gap between unfair rates and risky informal money transfers.
Our mission
Localizing Global Remittance
We’re on a mission to localize the Global Money Transfer Experience.
There is still a significant gap between the experience of sending money within the same country and sending money across borders. We believe that sending and receiving money across borders should be as hassle-free as sending money within the same country.
And that’s why we are committed to making global money transfers have that local experience of sending money within the same country, while eliminating the mental gymnastics of figuring out how to get money across borders.
Imagining the possibilities of
A smaller, more accessible world.
By challenging the limitations imposed on us by distance, we could dare to
go further to explore new possibilities for a better life without the fear of
losing touch with the people and places that have shaped us.
go further to explore new possibilities for a better life without the fear of
losing touch with the people and places that have shaped us.
Grow, not blame
We understand that mistakes can have financial implications, especially for a financial service provider like us, but we also recognize that the lessons learned from them can save us even more in the long run.
Embrace your humanity
We believe in the power of human connection, that’s front and center of who we are. We are not just a business; we are a team of individuals who value the importance of being human in all interactions.
Go beyond transactions
We recognize that the individuals we serve have embarked on a journey, leaving behind familiar lives, people, and places in search of something better. We invite you to look beneath the surface and uncover the stories behind each transaction.
United in action
We recognize that the individuals we serve have embarked on a journey, leaving behind familiar lives, people, and places in search of something better. We invite you to look beneath the surface and uncover the stories behind each transaction.
A fortress for
Your finances
We are fully regulated and licensed, partnered with tier-1 banks globally, and
supported by a dedicated team of fraud specialists, ensuring your hard-
earned money is safe, always.
supported by a dedicated team of fraud specialists, ensuring your hard-
earned money is safe, always.

Bank-Grade Protection
Your data is protected with industry-standard security protocols
Secure verification and monitoring
Multi-factor authentication keeps
your account protected
your account protected
Trusted financial & payment partners
We work with licensed banks and payment providers globally
Get the app for
All things money
Send, spend, save and do more with Pesa
— simply and freely.
— simply and freely.
Download the app
Download the app



