Individuals can just send money to each other without being an agent,
I found a fantastic article describing M-PESA further:
So an individual can have a balance no more than 50,000 KES (~ $575 USD).
There cannot be more than 70,000 KES (~ $800 USD) transferred out of an account per day, and 35,000 KES (~ $400 USD) is the most that can be transferred in a a single transaction.
So while these limits have relatively small amounts, they are still high enough that an individual could use this service for a remittance payment to family back in Kenya.
There already is an M-PESA IMT (international money transfer) method in which money is sent through Western Union and the recipient is an M-PESA user but of course the fees for that are quite high -- generally, at least 10% or more for transfers of $400 or less including loss when the exchange rate conversion occurs.
With Kipochi the sender can handle all the transfer details and the remittance recipient gets an SMS alert when the funds arrive in M-PESA. So there is no learning curve or technical hurdle here on the recipient's end.
There's even room for an individual to become an independent provider (agent) of Bitcoin remittance cash-out. This person would use Kipochi to get started by converting bitcoins received into a form of funds the agent can use for spending. Then once that agent's volume is heavy enough it then makes sense to work with a local Bitcoin exchanger (to restock the agent's inventory of schillings) and skip the costly M-PESA conversion entirely, as every schilling counts!