Fintech Infrastructure for Mobility

Every matatu rideTube commuteboda boda tripbus journey deserves a safety net.

MotiSure embeds financial protection, savings, and credit invisibly into every commute — from Nairobi's matatus to London's Tube. We don't sell insurance. We make it disappear into the journeys people already take.

🌍 Explore SafiriSure → 🇬🇧 Explore RideRoots →

⭐ Techstars

💳 Mastercard MOU

🛡️ Britam Insurance

🌍 MIC Global

📰 TechCrunch

🏛 Delaware C-Corp

🌍 Emerging Markets · Kenya · LIVE

SafiriSure

From a KSh 10 matatu fare to full financial protection. M-Pesa embedded. No bank account needed.

1.2M+

Insured

12%

SOM

30%

Loss ratio

🇬🇧 London · Launching April 2026

RideRoots

When the Tube fails, money appears in your account in 30 seconds. No claim. No form. Just protection.

5M+

Gig workers

850M

TfL journeys/yr

<30s

Payout

✦ Growing SOM in key corridors ✦ 30% loss ratio ✦ 70%+ passenger opt-in ✦ Mastercard MOU signed ✦ Zero fraud in pilot ✦ 15+ Kenyan counties ✦ London launch April 2026 ✦ Techstars alumni ✦ KSh 10/day minimum premium ✦ 1.2M insured commuters ✦ Growing SOM in key corridors ✦ 30% loss ratio ✦ 70%+ passenger opt-in ✦ Mastercard MOU signed ✦ Zero fraud in pilot ✦ 15+ Kenyan counties ✦ London launch April 2026

Why This Matters

600 million people commute daily.
Almost none are protected.

One accident. One severe delay. One missed shift. For the people who keep cities moving, there is no safety net — and nobody was building one. Until now.

600M+

Daily commuters across Africa with zero financial protection

This is the market we serve

13,000hrs

Of severe TfL delays reported in 2023 alone — with no automatic compensation

London's hidden economic cost

£1.8B

Lost annually by London gig workers to transit disruption alone

The gap we're closing

"Traditional personal accident insurance is expensive, rigid and out of reach for over 600 million people who commute every day and risk getting into an accident in Africa."

— Joel Macharia, CEO & Co-founder, MotiSure

One Infrastructure. Two Worlds.

Same engine.
Different reality.

We proved our infrastructure in the hardest conditions on earth. Then we brought it to one of the world's most complex transit systems. The same underlying platform. Two very different stories.

🚌

🌍 Emerging Markets — Kenya — LIVE

1.2M+

commuters protected

SafiriSure

Africa's transport financial stack. From a KSh 10 matatu fare to full personal accident cover, operator credit, and savings — embedded at the payment point. No bank account. No paperwork. No waiting.

M-PesaUSSDNFC/QR Mastercard railsOffline-firstAgent network

12%

SOM (Market Share)

30%

Loss Ratio

70%+

Opt-in rate

15+

Counties Active

Explore SafiriSure →

Kenya → East Africa → The Continent

🚇

🇬🇧 Developed Markets — London — April 2026

5M+

gig workers without a safety net

RideRoots

London's gig economy financial shield. Parametric delay payouts, micro-pensions, and auto-savings — built for the people who keep London moving but have nothing to show for it when the Tube fails.

TfL Open Data APIContactless/Oyster ParametricMastercardFCA-regulated

850M+

TfL Journeys/Year

<30s

Auto-payout time

40%

Retention lift (pilot)

Claim forms

Explore RideRoots →

London → New York → Global

The Technology

We don't ask people to change.
We embed into what they already do.

No new app to open. No form to fill. No claim to file. Protection activates the moment a fare is paid — and resolves before the rider even knows something happened.

🚌

They commute as normal

A matatu fare paid. A Tube journey tapped. No sign-up at the point of need. No paperwork. Just a normal journey — the same one they've always taken.

⚡

We detect what happened

Our Proof of Journey engine correlates payment signals with real-time disruption data — TfL API, M-Pesa rails, partner feeds. Fully automated. Fraud-resistant. Instant.

💸

Money moves instantly

Payouts, savings contributions, pension deposits — triggered automatically, settled same day via Mastercard rails. The rider never had to ask for anything.

Mastercard TfL Open Data M-Pesa Britam Insurance MIC Global FCA Regulated Rapyd Payments

The Impact So Far

Numbers that represent
real people.

Every metric below is a person who was vulnerable — and isn't anymore.

1.2M+

People protected

Commuters with financial protection for the first time in their lives

12%

SOM (Share of Market)

Sustainable market share growth — not grant-funded, not subsidised

30%

Loss Ratio

Half the industry average of 60-80%. Profitable from day one.

70%+

Passenger opt-in rate

No selling required. People choose protection when it's frictionless.

KSh 10

Minimum daily premium

Less than a cup of tea. Affordability was never a reason to go unprotected.

Zero

Fraudulent claims

Our Proof of Journey engine makes fraud structurally impossible — not just difficult.

"I was amazed by the impact of integrating trip insurance into our bus booking service. We witnessed a remarkable 30% increase in sales and a significant 50% reduction in response time. Our customers love the quick and personalised assistance."

— BuuPass, Kenya · Transport Platform Partner

Who This Is For

One platform.
Every stakeholder.

Our infrastructure serves everyone who touches the mobility ecosystem — from the rider on the matatu to the investor looking for the next infrastructure play.

🚌

Commuters & Riders

You take the matatu or the Tube to work every day. One accident, one delay — and the financial domino effect begins. We change that, invisibly. From the moment you tap your card.

Get protected → ›

🏢

Employers & Platforms

Your workforce is your product. RideRoots makes your riders 40% more likely to stay. SafiriSure gives your operators the credit to grow. A single API. Zero friction. Immediate ROI.

Become a partner → ›

📊

Investors

We've proven unit economics in the hardest market on earth. 30% loss ratio in Kenya. Mastercard MOU secured. London launching April 2026. Series A ready. This is the infrastructure play.

Explore the opportunity → ›

🏛️

Policy Makers

A market-funded safety net that requires zero public spending. We catch gig workers before they fall through the rails they already use. No new bureaucracy. Just infrastructure.

Read our impact data → ›

Trusted By