An AI-powered digital banking app for individuals in Kenya to send money globally, track budgets, save up to 12% interest, invest, and access fast personal loans.
Apenia is an AI-powered digital banking platform for individuals in Africa who want app-based banking, cross-border transfers, savings, investments, and fast personal loans.
Key capabilities include:
Available on Android, iOS, and via USSD (4832002#) for setup.
Built for B2C users, including professionals and small business owners who need mobile access to loans, savings tools, and international transfers.
Notable in the African market context for its Kenya availability (with Rwanda, Uganda, Tanzania, and Nigeria listed as coming soon) and for partnerships shown on its site, including Flexpay, WeLend, GiftPesa, Datacultr, Smile Identity, Spin Mobile, and Unitrust.
As of Jun 22, 2026, Apenia is rated 5.0 on the App Store from 4 reviews and 3.6 on Google Play from 39 reviews with 10K+ installs.
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