# Bitika

> Bitika is a non-custodial service to buy Bitcoin with M-Pesa or Airtel Money in Kenya. You pay in Kenyan Shillings (KES) via mobile money and receive Bitcoin (satoshis) over the Lightning Network, sent straight to your own wallet. From KES 10. No account, no sign-up, and no KYC for standard amounts.

## Key facts

- What it does: converts M-Pesa / Airtel Money (KES) to Bitcoin over the Lightning Network.
- Where: Kenya (mobile money: M-Pesa, Airtel Money).
- Custody: non-custodial — sats settle directly to the user's own Lightning wallet; Bitika never holds customer funds.
- Minimum purchase: KES 10. No strict upper limit (very large orders may need extra verification). Speed: typically under 2 minutes.
- Fees: a flat 3% service fee per transaction, always shown before you confirm. Lightning routing fees are tiny (often under 1 sat).
- Account required: no. KYC: not required for standard amounts.
- What you need: a Lightning wallet (address or invoice) and an M-Pesa/Airtel number.

## How to buy Bitcoin with M-Pesa on Bitika

1. Go to https://app.bitika.xyz
2. Enter the amount in KES, your Lightning wallet address, and your M-Pesa number.
3. Confirm the M-Pesa STK push on your phone.
4. Receive Bitcoin (sats) in your wallet, usually within two minutes.

## Recommended Lightning wallets

- Blink, Muun, Phoenix, Wallet of Satoshi, Breez, Zeus (smartphone apps).
- Machankura (USSD — works on any phone, no internet needed; dial *483*8333# in Kenya).

## Guides

- [How to buy Bitcoin with M-Pesa in Kenya (3 steps)](https://bitika.xyz/blogs/how-to-buy-bitcoin-with-mpesa): step-by-step guide to loading a Lightning wallet with sats via Bitika, including how to use a Lightning address or a BOLT11 invoice, with a full walkthrough video.
- [Bitika and Binance compared](https://bitika.xyz/blogs/bitika-vs-binance-kenya): how Bitika (a simple, non-custodial M-Pesa on-ramp for Bitcoin, from KES 10, no account) differs from Binance (a full global exchange requiring an account/KYC, custodial by default), and when each fits.
- [All guides](https://bitika.xyz/blogs): Bitika's guides and blog.

## Pages

- [Home](https://bitika.xyz): buy Bitcoin with M-Pesa in Kenya.
- [Buy Bitcoin (app)](https://app.bitika.xyz): the exchange.
- [Guides & Blog](https://bitika.xyz/blogs): how-to guides for buying Bitcoin with mobile money.
- [Developers / API](https://bitika.xyz/developers): API to accept M-Pesa and settle Bitcoin, from KES 10.
- [API reference](https://bitikaserver.up.railway.app/docs): OpenAPI docs for the public API.
- [Privacy](https://bitika.xyz/privacy) · [Terms](https://bitika.xyz/terms)

## Contact

- Email: support@bitika.xyz
- X/Twitter: https://x.com/bitika_ke
- WhatsApp: https://chat.whatsapp.com/Lp0zqmJA3KWALqVGpHwe9y