[Skunkworks] How to automate payments by M-Pesa, Zap, or yuCash?

Hi people, I'm just wondering if it's possible to automate payments by M-Pesa, Zap, or yuCash. I mean, like writing an application (SIM based) that *sends* money to a different phone, by communicating with the servers at the respective telcos. Do they use standards-compliant, or reverse-engineerable protocols? Or maybe by "automating" the M-Pesa (or Zap, or yuCash) SIM application. Note that I know almost nothing about STK (SIM Application Toolkit) or USSD (Unstructured Supplementary Service Data). Joseph Wayodi.