Safaricom is no longer just a telecommunications company. In 2026, the tech giant has quietly transformed into a full-scale digital lifestyle and wealth-creation ecosystem. If you are only using your Safaricom line to make phone calls, send standard M-PESA, or buy daily data bundles, you are missing out on massive financial opportunities and major cost-saving hacks.
From buying stock market shares with loose change to eliminating home Wi-Fi dead zones permanently, Safaricom has rolled out a suite of revolutionary tools designed to save you money and protect your privacy.
Here is a comprehensive breakdown of the five newest Safaricom services that will completely change how you live, invest, and browse the internet.
1. Ziidi Trader: How to Buy NSE Stocks Using M-PESA
Historically, investing in the Nairobi Securities Exchange (NSE) felt like an exclusive club. Opening a traditional Central Depository System (CDS) account required tedious paperwork, long waiting periods, and significant upfront capital.
Safaricom has completely dismantled this barrier by launching Ziidi Trader in partnership with the NSE.
What is Ziidi Trader?
Ziidi Trader is a mobile-first investment platform embedded right within the Safaricom ecosystem. It operates on a pooled fund model, allowing everyday Kenyans to fractionalize investments. This means you can purchase micro-shares or corporate bonds directly from your phone using your M-PESA balance, even with very small amounts of money.
Why You Should Use It Today
- Zero Paperwork: Your identity is automatically verified securely using your existing Safaricom KYC (Know Your Customer) details.
- Micro-Investing: You do not need thousands of shillings to start building a portfolio. You can buy fractional shares with the cost of a single cup of tea.
- Instant Dividends: Earnings and dividend payouts are sent directly back into your M-PESA wallet automatically.
2. Safaricom Pay-As-You-Go Prepaid Fibre & Tokenised Wi-Fi
For years, the biggest complaint among hybrid workers, students, and budget-conscious households was the rigid 30-day Home Fibre subscription. If you traveled out of town for two weeks, your monthly subscription kept ticking away, wasting your hard-earned money.
Safaricom has listened to consumers by introducing Tokenised Wi-Fi and Pay-As-You-Go Prepaid Home Fibre.
The Ultimate Budget Internet Hack
This service mirrors the flexibility of mobile data bundles. Instead of paying for a blanket 30-day package, users can now purchase high-speed home internet on a daily, weekly, or hourly basis.
| Internet Package Type | Validity Period | Ideal For |
| Hourly Tokenised Wi-Fi | 1 to 3 Hours | Quick downloads or virtual meetings |
| Daily Prepaid Fibre | 24 Hours | Remote workdays and weekend streaming |
| Weekly Prepaid Fibre | 7 Days | University students on session breaks |
| Traditional Monthly Fibre | 30 Days | Large households with permanent heavy usage |
By switching to a prepaid model, occasional internet users and traveling professionals can slash their monthly home internet bills by up to 50%.
3. Fibre to the Room (FTR) & The 1,000 Mbps Platinum Package
As Kenyan homes grow larger and smart home appliances become common, standard Wi-Fi routers struggle. Thick concrete walls and multiple floors frequently block signals, leaving frustrating internet “dead zones” in bedrooms or home offices.
Safaricom’s premium remedy for this is Fibre to the Room (FTR) technology, launched alongside their ultra-fast 1,000 Mbps Platinum Package.
How FTR Fixes Your Home Wi-Fi
Instead of relying on a single central router to push signals through walls, Safaricom technicians install micro-thin, virtually transparent glass fiber cables directly into individual rooms.
Each room receives its own dedicated access pod, ensuring zero signal degradation. When paired with the 1,000 Mbps Platinum Package, multiple family members can stream 4K videos, play online multiplayer games lag-free, and conduct Zoom calls simultaneously without a single second of buffering.
The Platinum package also features an integrated Family Share Plan, bundling home fibre, mobile data, voice, and SMS quotas for up to five family members under one single bill.
4. M-PESA Phone Number Masking: Enhanced Privacy Against Fraud
Data privacy is a major concern for mobile users. Previously, whenever you paid a merchant via Lipa na M-PESA or Buy Goods, the merchant received your full name and phone number on their transaction receipt. Unfortunately, some unscrupulous agents and merchants harvested these numbers to send unsolicited marketing spam or target users with phishing scams.
To stop this, Safaricom has fully enforced M-PESA Phone Number Masking.
How Number Masking Protects You
When you complete an M-PESA merchant transaction, your personal phone number is completely scrubbed from the merchant’s view.
- Before: Merchant sees: “Received Ksh 500 from JOHN DOE, 0722XXX890.”
- Now: Merchant sees: “Received Ksh 500 from JOHN DOE, 0722XXXXXX.”
This data minimization initiative ensures that your identity remains secure during everyday transactions. You can shop with confidence, knowing your phone number won’t end up on a random marketing broadcast list.
5. M-PESA Lifestyle Tools: Split a Bill, Shared Wallet, and M-Ratiba
M-PESA’s upgraded engine capacity can handle up to 8,000 transactions per second. Safaricom has leveraged this raw power to introduce brilliant social financial tools directly into the M-PESA App:
👥 Split a Bill
Going out to lunch with colleagues or dividing a casual utilities bill among roommates used to involve awkward mental math and multiple manual transfers. The new Split a Bill feature allows you to select a transaction, choose friends from your contact list, and automatically send them individual M-PESA payment requests for their exact share.
💼 Shared Wallet
Perfect for couples, nuclear families, or small business partners. The Shared Wallet acts as a secure, digital contribution pool. Multiple authorized users can deposit funds into and spend from a single bucket, with transparent, real-time transaction logs showing exactly who spent what.
📅 M-Ratiba
Say goodbye to late payment penalties. M-Ratiba acts as an automated standing order system for your phone. You can set it to automatically pay your rent, send money to parents, settle school fees, or buy your internet packages at the exact same time every single month without lifting a finger.
Conclusion: Step Into Kenya’s Digital Future
Safaricom’s 2026 pipeline proves they are focused on building practical, secure, and wealth-enabling utilities for Kenyans. Whether you want to grow your financial portfolio with Ziidi Trader, secure your personal data with number masking, or customize your internet spending via Tokenised Wi-Fi, these tools are built to give you maximum control.
Download the latest version of the MySafaricom or M-PESA App today, or dial the updated USSD menus to activate these features.
Frequently Asked Questions (FAQs)
Q: Is there an extra fee to use M-PESA Phone Number Masking?
A: No. Number masking is a fundamental security upgrade provided by Safaricom completely free of charge to safeguard consumer privacy.
Q: How do I access Ziidi Trader to start buying shares?
A: You can access Ziidi Trader directly through the financial services menu on the M-PESA Super App or via the official Safaricom USSD investment menus.
Q: Can I get Fibre to the Room (FTR) on an entry-level internet plan?
A: FTR is optimized for high-bandwidth households. While it is heavily packaged with the premium 1,000 Mbps Platinum tier, you can check availability and custom installation rates for other speeds with Safaricom Home customer care.
