The transformation of M-Pesa from a simple mobile wallet into a cognitive, full-scale financial ecosystem has reached a historic milestone. On January 12, 2026, Safaricom CEO Peter Ndegwa confirmed that the platform now processes an average of $800 million (approx. KES 104 billion) every 24 hours. This massive surge in volume is powered by the newly launched Fintech 2.0 core system—a cloud-native, AI-embedded infrastructure that has boosted the platform's capacity to 12,000 transactions per second. By integrating real-time fraud risk scoring and "self-healing" network protocols, M-Pesa has effectively transitioned into an AI-driven bank, managing nearly half of Kenya’s GDP flows while reducing identity theft and social engineering incidents through predictive monitoring. Beyond sheer volume, the January 2026 rollout marks M-Pesa's entry into the world of institutional blockchain. Through a landmark partnership with the ADI Foundation, M-Pesa is extending blockchain infrastructure to i...