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virtual cards
Spin up disposable or recurring virtual cards for subscriptions, online shopping, and sketchy free trials.
Expendijoin the waitlistjoin waitlist→v0.1 · soon™free while we cook
Your money, finally
making sense.
Expendi is a cheeky little money app for Kenya and beyond — virtual cards, KES on & off ramps, split bills, goal savings, and an agent that actually moves money for you. No spreadsheets. No guilt trips. Just vibes and clarity.
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built by humans who once lost KES 6,142 to forgotten subscriptions.
expendi · receipt #0042
this month, by you
- 🍜 nyama choma run············KES 1,850
- ☕ java house fix············KES 540
- 🎧 spotify family············KES 299
- 🛵 boda to work············KES 320
- 🌱 plant #12············KES 780
total vibesKES 3,789
thank you for spending · come again · but maybe skip one uber
☕oat latte$6.25🍜late-night ramen$14.00🚕uber to nowhere$23.90🎧lofi subscription$9.99🌱another plant$11.00📚unread book$18.50🍩airport donut$4.75🎟️random concert$62.00🧃juice phase$7.00🧴fancy soap$22.00🐈cat tax$4.00📦impulse parcel$34.10☕oat latte$6.25🍜late-night ramen$14.00🚕uber to nowhere$23.90🎧lofi subscription$9.99🌱another plant$11.00📚unread book$18.50🍩airport donut$4.75🎟️random concert$62.00🧃juice phase$7.00🧴fancy soap$22.00🐈cat tax$4.00📦impulse parcel$34.10
everything expendi does
One app, all your money moves.
From virtual cards to on/off ramps, split bills to yield on idle balances — Expendi wraps your financial life in one playful place.
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KES on & off ramp
Swap between Kenyan Shillings and stables in seconds — M-Pesa in, card out, no middlemen.
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track spending
Every shilling lands in a cute, honest chart. See where it went without squinting at pie graphs.
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recurring payments
Rent, Netflix, the gym — set it, forget it, and we'll nudge you the day before each one hits.
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flagshipagentic wallet
Ask your wallet to pay, split, save or rebalance. It reads your vibe and actually moves the money.
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smart categories
Groceries, nights out, 'oops' — Expendi learns how you label and stops asking after a few taps.
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split expenses
Dinner, trips, rent — split with zero drama and cute emoji receipts your friends can't ignore.
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goal savings
Squirrel KES toward a Mombasa trip, next rent, or just a rainy Tuesday. Auto-rules do the rest.
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coming to baseearn yield
Park idle balances on Base and earn while you sleep. Non-custodial, transparent, and opt-in.
sneak peek
Drop your email, get an invite the minute we unlock the doors.
We're a small team shipping fast. Waitlisters get first dibs, a launch-day sticker pack, and three months of Expendi Pro on the house.
3months pro
∞good vibes
the small print
Questions, answered.
When is Expendi launching?+
Soon™. We're shooting for later this year. Waitlisters get first access before we open to the public.
How does the KES on/off ramp work?+
M-Pesa in, M-Pesa out — no middlemen. Convert between KES and stables in seconds, at transparent rates, and spend globally with your virtual card.
What is the agentic wallet?+
An assistant that lives inside your wallet. Tell it 'split last night's dinner 4 ways' or 'move 5k to my Mombasa fund' — it drafts the transaction, you approve, it's done.
When can I earn yield on Base?+
Yield is coming shortly after launch. Non-custodial, opt-in, and fully transparent: you always see where your funds are and can pull them out any time.
Is it free?+
The core app is free forever. Expendi Pro adds niceties like shared budgets, AI categorization and rich exports.
Where's my data stored?+
Encrypted, in the region closest to you, and never sold to third parties. You can export or delete everything with one tap.