Africa has a very low insurance penetration rate largely due to the high cost of healthcare and the mistrust between payers, providers and consumers. A large majority of the population is forced to pay out-of-pocket for all their healthcare costs. CarePay developed a Mobile Health Wallet, branded M-TIBA in Kenya, through a partnership with PharmAccess Foundation and Safaricom. Health funds from public and private funders can be directly allocated to a clients’ mobile wallet. These funds can be restricted to conditional spending at selected healthcare providers. Using the CarePay platform, more than 4 million people have been digitally enrolled for public and private health schemes, who all contribute to attaining Universal Health Coverage in Kenya. The M-Tiba platform in Kenya has been used to offer 320,000 treatments, has handled over 1.4 million transactions, and has paid out 6.4 million dollars to providers. The platform is currently also being rolled out in Nigeria and Tanzania.