Safaricom has introduced Ziidi Trader, a new feature in the M-PESA app that lets users buy and sell shares listed on the Nairobi Securities Exchange (NSE) directly from their mobile wallets.
The product is already visible and active inside the M-PESA app ahead of its official launch next week. Ziidi Trader enables customers to trade shares digitally without paperwork, bringing together trading, portfolio tracking, and transaction capability in a single mobile interface.
The feature is designed to make stock market participation more accessible, especially for first-time investors and retail traders. From the in-app descriptions and onboarding prompts, the platform emphasises flexibility and ease of use.
Safaricom rolls out Ziidi Trader
Key functions highlighted in the feature include direct buying and selling of NSE-listed shares and zero paperwork share trading. Others are real-time tracking of prices and portfolio performance, and fully digital onboarding and verification.
“Use it your way. People use the stock market in different ways, and ZiiDi Trader gives you the flexibility to decide how and when to trade,” the service notes.
“Simple and convenient. Buy and sell shares digitally using your M-PESA wallet, with no paperwork and everything you need to trade and track activity in one place.”
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The system also incorporates standard financial disclosure and suitability prompts, asking users to declare their source of funds (such as business income, freelance work, or side hustles) and occupation status before proceeding.
Before activating trading, users must acknowledge investment risk through a disclaimer stating that stock prices can rise or fall and that investing carries the possibility of gains or losses, encouraging a long-term investment mindset.
The introduction of Ziidi Trader follows Safaricom’s November 2025 pilot of the feature. This is as the company continues to expand its digital investment ecosystem on the Ziidi platform, anchored by the Ziidi Money Market Fund (MMF).
Ziidi Money Market Fund
Safaricom first launched the Ziidi MMF in December 2024 in partnership with Standard Investment Bank and ALA Capital Limited, allowing M-PESA customers to begin investing with as little as Ksh100 while earning competitive daily interest. All deposits and withdrawals are executed directly through M-PESA, with invested funds remaining easily accessible to users.
Since its launch, the fund has grown rapidly, reflecting rising demand for simple, mobile-based investment solutions among retail investors. For the half-year period ending June 30, 2025, the Ziidi MMF reported total investment income of Ksh354.36 million.
Interest income from fixed deposits stood at Ksh194.31 million, followed by Ksh86.34 million from government securities, Ksh73.34 million from call deposits, and Ksh7.96 million from corporate bonds.
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Operating expenses totalled Ksh81.28 million, including management fees of Ksh77.91 million, trustee fees of Ksh2.22 million and custody fees of Ksh2.75 million.
After accounting for these costs, the fund posted a surplus of Ksh273.08 million attributable to unit holders, translating to a strong 77% net profit margin.
Assets Under Management (AUM) reached Ksh10.68 billion as of June 30, 2025, a 275% increase from the early rollout phase.
Non-current assets, including fixed deposits, government securities, and corporate bonds, stood at Ksh5.19 billion, while current assets such as call deposits and cash balances totalled Ksh5.50 billion.
Total unit holder balances reached Ksh10.59 billion, underscoring strong investor uptake and growing confidence in mobile-first investment platforms, with the fund attracting more than 1.15 million active investors.
Regulated by the Capital Markets Authority, the Ziidi MMF has rapidly established itself in Kenya’s unit trust sector. By February 2026, the fund ranked as the 14th largest unit trust fund in Kenya by AUM.
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