HAVENPAY

Unlock Financial Possibility with Trusted Identity

A safe way for refugees to save, protect their identity, and access real opportunity — starting with M-Pesa and a regulated account, growing into credit and business tools.

WHAT YOU GET

A secure place to save

Refugee-friendly onboarding

A path toward credit and opportunity

A credit identity built from every transaction

WHO CAN JOIN

Refugees & asylum seekers

UNHCR-registered individuals

Urban refugees with alien registration card

Underserved urban communities

ABOUT US

BRINGING FINANCIAL DIGNITY TO THOSE LEFT OUT

When IDs aren’t accepted, people are locked out. HavenPay opens the door with trusted identity, secure accounts, and a path to opportunity.

SECURITY FIRST

You deserve a safe place for your money and identity. Every account is protected with encryption, biometrics, and regulatory oversight.

BUILDING FOR GROWTH

Every transaction builds a credit identity. Your spending history, repayment behavior, and income patterns feed into your credit score.

INCLUSION BY DESIGN

We accept UNHCR IDs and alternative data to unlock access for people typically excluded. No national ID required.

COMMUNITY-POWERED

We work with NGOs, regulators, and community groups to ensure trust and reach.

havenpay

FEATURES

SAFE and SECURE SAVINGS

Your money is stored in a regulated account connected to M-Pesa and protected with bank-grade security.

send and receive money‍

Local transfers, P2P payments, remittance and cross-border options with low fees.

build credit

Every verified transaction helps create a financial profile that unlocks future loans.

WHY HAVENPAY MATTERS

Refugees are locked out of financial systems because their IDs aren’t accepted, leaving them stuck in unsafe cash economies and invisible to opportunity.

HavenPay bridges this gap by turning UNHCR identity data into bank-grade verification, enabling secure savings, safe payments, and the first steps toward building a real financial history.

We build the credit infrastructure that national systems were never designed to.

UNHCR

IDENTITY

We align with UNHCR identity standards to ensure refugees can use documents they already have.

Regulated bank

accounts

Your money is held in a secure, compliant financial institution with global-grade infrastructure.

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Mpesa cash
in out

Seamless integration for deposits, remittance, withdrawals, and everyday transfers.

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community

Local NGOs help drive awareness, verification, and support for underserved communities.