Fintech & e-commerce law
Kenya is East Africa's fintech capital — home to M-Pesa, the world's most advanced mobile money ecosystem, and a rapidly growing community of digital lenders, payment fintechs, insurtech platforms, and blockchain ventures. The regulatory environment is complex, fast-moving, and consequential. Bonyo Law is the specialist fintech legal partner this ecosystem deserves.
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Fintech & e-commerce services
Kenya's mobile money legal framework — governed by the Central Bank of Kenya, the Communications Authority, and the Kenya Information and Communications Act — is among the most sophisticated on the continent. Our fintech lawyers advise payment service providers, mobile lending platforms, and digital wallets on licensing, consumer protection obligations, and interoperability compliance.
Launching a fintech in Kenya requires navigating CBK licensing, CMA authorisation for capital markets activities, IRA requirements for insurtech, and the Communications Authority's digital platform obligations. Bonyo Law provides comprehensive fintech licensing support across all relevant regulators — delivering clarity from day one.
Kenya's e-commerce sector is governed by a web of overlapping legislation: the Consumer Protection Act, the Kenya Information and Communications Act, data protection requirements, and tax obligations for digital services. Bonyo Law provides end-to-end e-commerce legal frameworks — from website terms and conditions to marketplace agreements and cross-border trading structures.
Kenya's regulatory position on cryptocurrency is evolving rapidly. The Central Bank and Capital Markets Authority have signalled increased oversight. Bonyo Law advises crypto exchanges, DeFi platforms, blockchain ventures, and digital asset custodians on the current legal landscape — and on how to position proactively for the regulatory environment ahead.
Related Services
AI-driven credit scoring, algorithmic lending decisions, and automated financial advice compliance.
Fintech partnership agreements, API licensing, and payment processor contracts.
Financial data privacy, payment data protection, and cross-border data transfers for fintechs.