Quick answer

GeraNexus is an agent-commerce protocol: it lets AI agents discover, negotiate with, and pay Kenyan merchants in KSh via M-Pesa, with identity and trust tied to the merchant's KRA PIN and eCitizen business record.

Why agent commerce in Kenya

Kenya runs on mobile money. Agent commerce — where a user's AI completes transactions on their behalf — only works if the rails it pays over match the market. In Kenya that rail is M-Pesa. GeraNexus was built so agents can route a KSh payment to a till number in milliseconds.

Regulation

Payments settle through a CBK-licensed partner. AML obligations under POCAMLA and consumer protection under CAK apply as for any Kenyan payment flow. Data processing follows the Data Protection Act 2019 with ODPC registration. Consumer disclosures in KES include all fees and FX if funding comes from non-Kenyan wallets.

Merchant pricing in KSh

Agent-initiated transaction fee: 1.5% + KSh 5 (capped at KSh 60)
Dispute window: 7 days
No merchant monthly fee for first year
KYC: KRA PIN + eCitizen verification

Comparison with other agent protocols

Global protocols: MCP (Anthropic), A2A (Google), NANDA (MIT). GeraNexus is complementary — it handles the Kenyan payment rail layer. Agents that speak MCP / A2A can plug in GeraNexus for the commerce step where local rails matter.

Cities and rollout

Merchant onboarding in Nairobi, Mombasa, Kisumu, Nakuru, Eldoret. Early focus on GeraEats, GeraRide, and GeraMarket merchants.

Related Gera products for Kenya

GeraMind in Kenya — the vault agents read before purchasing.
GeraCash in Kenya — wallet that funds agent transactions.
GeraMarket in Kenya — first merchants on the network.

GeraNexus in Kenya 2026 — Agent Commerce Rails with M-Pesa