Safaricom PLC has launched Daraja 3.0, a comprehensive overhaul of its M‑PESA API platform. The upgrade signals a strategic shift toward a “Fintech 2.0” ecosystem, moving beyond simple payment processing to embedded finance and the M‑PESA Super App.
The announcement coincides with Safaricom’s 25th anniversary, a renewed commitment to developers who have been central to M‑PESA’s global success.
Cloud‑Native Architecture Delivers Reliability and Speed
Unlike earlier iterations, Daraja 3.0 is built on a modern, cloud‑native foundation. This architecture ensures higher uptime, faster responsiveness, and seamless scalability during peak traffic events.
Mini Apps Bring Businesses Directly Into M‑PESA Super App
A standout feature of Daraja 3.0 is the introduction of Mini Apps, lightweight applications that run inside the M‑PESA Super App. Businesses can now reach millions of monthly active users instantly, without requiring separate downloads. This mirrors successful “Super App” models pioneered by WeChat and AliPay in Asia.
Security APIs Strengthen Fraud Detection and Identity Verification
With cyber threats escalating in the financial sector, Daraja 3.0 integrates new Security APIs designed for fraud detection, prevention, and identity verification. These tools enhance trust and safeguard digital transactions across the ecosystem.
IoT APIs Enable Payments for Connected Devices
Daraja 3.0 also introduces IoT APIs, enabling payments and communication for connected devices. This expansion positions M‑PESA at the intersection of fintech and smart technology, embedding financial services into everyday digital experiences.
Developer Experience Enhanced With AI‑Powered Support
Responding to feedback from Kenya’s vibrant tech community, Safaricom has improved developer tools with AI‑powered support and next‑generation documentation. A redesigned sandbox allows developers to simulate complex transaction flows with greater accuracy before going live, ensuring smoother integration journeys.
Esther Waititu, Chief Financial Services Officer at Safaricom, officiated the launch and emphasized collaboration:
“Daraja 3.0 is a gateway to the next frontier of fintech. By empowering developers with secure, scalable, and intuitive tools, we are unlocking new possibilities in digital finance and financial wellness.”
Safaricom’s Vision: From Telecom Operator to Tech Leader by 2030
The rollout aligns with Safaricom’s ambition to evolve from a telecommunications operator into Africa’s leading purpose‑led technology company by 2030.
By opening up the M‑PESA ecosystem to deeper integration, Safaricom is betting that innovation will come not only from within, but from thousands of external developers and fintech partners building on Daraja 3.0.
The launch was showcased at the M‑PESA Integrators’ Forum, where Safaricom highlighted advancements in resilience, scalability, and AI‑driven innovation. The event also featured partner appreciation activities, including special Green Box giveaways, tying the rollout to Safaricom’s 25‑year milestone.
