Government paper · M-Pesa rails

M-Pesa for Treasury Bills.

The government is paying 15.12% right now. Last week’s 91-day auction was 204% oversubscribed, but most Kenyans still cannot get in because banks made it complicated. nest lets anyone start at KSh 100, pledge in 3 taps, and earn those rates directly.

Pledge from KSh 100 How nest routes

This week, 91-day

15.12%

Typical MMF

11.00%

Why cash sits in banks

Last 91-day take-up

204%

Oversubscribed

This week’s auction

Get alerts

91-day Treasury Bill

15.12%

Open

Closes— · Wed, 14 Oct, 14:00

SettlementFri, 16 Oct 2026

OfferedKSh 8,000,000,000

Pledge from KSh 100

Other open tenors

182-day Treasury Bill

15.48%

Open

Closes— · Wed, 14 Oct, 14:00

SettlementFri, 16 Oct 2026

OfferedKSh 6,000,000,000

Pledge from KSh 100

364-day Treasury Bill

15.91%

Open

Closes— · Wed, 14 Oct, 14:00

SettlementFri, 16 Oct 2026

OfferedKSh 4,000,000,000

Pledge from KSh 100

3 taps

Amount, STK confirm, M-Pesa PIN. Same muscle memory as paying a bill.

We don’t take risk

nest routes. Your claim is on government paper, not on our balance sheet.

DhowCSD (demo)

Phase 1 is alerts + pledging. Settlement is modelled on Central Bank rails.

Demo only. Not a CMA-licensed offer and not a Central Bank of Kenya product. M-Pesa and DhowCSD are simulated. We don’t take risk — we route.