M-Pesa is like a digital wallet that helps people send and receive money without having to use cash. It allows people to store money on their phones and use it to pay for goods or services wherever it is accepted. You can also use M-Pesa to send money to other people’s phones anywhere in the world. It's very safe and secure. All you need to do is sign up with M-Pesa and your phone number, and then you can start transferring money.