KAAFI
MICROFINANCE INSTITUTION S.C.

Secure mobile money, microfinance, digital payments, and everyday services in one connected ecosystem.

Products & services

Financial tools built for everyday life

From mobile money and business financing to payments and lifestyle services, Kaafi brings the essentials together in one trusted ecosystem.

Customer using a mobile wallet near an agent location and ATM
Kaafi-E-Birr
Kaafi-E-Birr

Mobile Money & Wallet Services

Move and access your money securely—wherever your day takes you.

Send & Receive Money

Instant, secure peer-to-peer transfers locally and across networks.

Cash In & Cash Out

Accessible deposits and withdrawals through a large network of authorized agents.

Cardless & ATM Withdrawals

Ability to withdraw cash seamlessly from supported ATMs without needing a physical card.

Bank Integration

Link mobile wallets directly with bank accounts to move funds smoothly.

Entrepreneur consulting with a Kaafi officer about Sharia-compliant business financing
Islamic banking
Islamic banking

Sharia-Compliant Microfinancing

Ethical, accessible financing structured around Islamic banking principles and the realities of growing businesses.

Islamic Microfinance

Access ethical, Sharia-compliant financing designed to help entrepreneurs grow small businesses, manage day-to-day liquidity, and meet financial goals.

Murabaha Financing

Transparent, asset-backed financing through an agreed purchase cost and profit margin, with no interest-based lending.

Customer making a secure QR payment at a merchant counter
Everyday payments
Everyday payments

Digital Payments & Bills

One secure place for purchases, essential bills, and mobile services.

Bill Payments

Convenient settlement options for utility bills (such as electricity and water), insurance, and digital subscriptions.

Merchant & QR Code Payments

Fast and secure QR code scanning technology for seamless checkout processes for both customers and business merchants.

Airtime & Package Recharges

Instant purchase of mobile airtime, data bundles, voice, and SMS packages—including gifting options for friends and family.

Customer using Feres ride-hailing and motorcycle delivery services in Addis Ababa
Beyond finance
Beyond finance

Lifestyle & Productivity Integration

Useful everyday services connected to a seamless digital payment experience.

Ride & Delivery Services

Integrated lifestyle options, such as ride-hailing through partners like Feres and food delivery services like Feresegna, built into the ecosystem.

Online Shopping & Bookings

In-app shopping capabilities, reservations, and ticketing features with integrated digital payment functionality.

Empowering you to express yourself according to your preferences.

Kaafi-E-Birr combines mobile money, bank transfers, microfinance, digital payments, and lifestyle services in one app.

Ride services

Access integrated ride-hailing through partners such as Feres and pay conveniently within the Kaafi-E-Birr ecosystem.

Food delivery and bookings

Order through delivery partners such as Feresegna, make reservations, and book services with integrated Kaafi-E-Birr payments.

Mobile payments

Pay merchants and settle everyday bills quickly and securely with Kaafi-E-Birr.

QR Code Payments

Scan a merchant QR code to retrieve payment details and complete checkout quickly and securely.

Merchant Payments

Make convenient cashless payments at participating retail and business merchants.

Bill Payments

Settle electricity, water, insurance, mobile, and digital subscription bills from your wallet.

Online Shopping

Shop, reserve, or book online and complete checkout with an integrated Kaafi-E-Birr payment.

Frequently asked questions

Your trusted digital payment companion.

Kaafi-E-Birr connects mobile money, microfinance, digital payments, and lifestyle services in one secure, efficient experience.

Our Major Partners

We are proud to collaborate with industry leaders and organizations that share our vision. Our partners come from various sectors, including

Chairman profile

Cooperative Bank of Oromia

Leading the way in financial inclusion, sustainability, and community empowerment for a brighter future.

Chairman profile

Ethio Telecom

Ethio telecom, a pioneer in providing telecom and digital services in Africa, has been serving our great nation and its people for the past 130 years by making telecom and digital services widely accessible across the country.

Chairman profile

Ethswitch

Ethswitch, established in 2011, is a share company fully owned by all banks in Ethiopia. It is established mainly to provide simple, affordable, secured, and efficient e-payment infrastructure services to retail payment service providers.

About Us

Kaafi Microfinance Institution

Established in 2016, Kaafi Microfinance Institution (formerly operating as Kaafimf) is a premier telecom value-added and Mobile Financial Service (MFS) provider in Ethiopia. Kaafi uses Safarifone Mobile Financial Services (safariMFS), customized for the Ethiopian market. This enterprise-grade platform supports millions of customers and handles more than five million transactions daily. Through partnerships with the Cooperative Bank of Oromia, EthSwitch, Ethiopian Airlines, and Ethio telecom, Kaafi offers its flagship service, Kaafi-E-Birr. Kaafi-E-Birr provides a range of mobile financial services including utility payments, bank transfer, remittances, merchant payments, airtime recharges, e-commerce… and more.

Our Mission

To empower our communities by building a robust and flexible financial services ecosystem, seamlessly connecting international money transfer partners and mobile money platforms to deliver fast, secure, and accessible financial solutions.

Our Vision

To empower everyday transactions by becoming the most trusted and reliable digital payment companion, making Kaafi a household name synonymous with security and efficiency.

Key Pillars of Our Mission

Ecosystem flexibility, global connectivity, and inclusive, rapid access guide how we connect traditional banking, mobile money, and international remittance services.

Mission

Build a robust and flexible ecosystem that connects international money transfer partners and mobile money platforms to deliver fast, secure, and accessible financial solutions.

Vision

Become the most trusted and reliable digital payment companion, making Kaafi a household name synonymous with security and efficiency.

Mission Pillars

Create flexible financial pathways, strengthen global connectivity, and give every customer rapid, reliable, and frictionless access to essential financial services.

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KAAFI Micro Finance Is your new life-style combining mobile money, Banking Micro finance & protductivity in a unified app.

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