Safaricom has launched Daraja 3.0, a cloud-native upgrade to its M-PESA API platform, promising a major leap in transaction processing and developer experience. This significant shift positions M-PESA as a "Fintech 2.0" infrastructure provider, moving beyond a simple payment gateway.

• The new platform boasts a throughput capacity of 12,000 Transactions Per Second (TPS).
• Safaricom revealed it is building its own Large Language Model (LLM) for AI integration to ensure data privacy.
• The M-PESA developer ecosystem consists of 105,000 developers, with 25% of all M-PESA transactions now executed via APIs.
• The upgrade introduces dedicated partner support, frictionless DIY tools, and future opportunities for developers to monetize their solutions.