Trust through transparency
Every member can see every contribution, loan, and repayment. The ledger is append-only and auditable, so the numbers always add up.
About
Built for the way East Africa already saves
Chamas and merry-go-rounds have moved money and built trust for generations. We're bringing them honest bookkeeping and mobile money — without changing what works.
Our mission
Millions of people already pool their money in savings groups — chamas, table-banking circles, and merry-go-rounds. They work because members know and trust each other. But the bookkeeping is hard: cash goes missing, records get disputed, and one person often carries the whole ledger in a notebook.
Group Lending gives those groups a shared, tamper-proof record and the option to move money by M-Pesa — while keeping the group fully in charge. We don't replace the trust that makes a chama work. We make it easier to keep.
What we believe
The principles behind the product
Groups govern themselves
Your group sets its own rules and elects its own officers. We record and enforce what you decide — we never run the group for you.
Works where you are
Connectivity is intermittent and cash is real. Manual records and mobile money live in the same ledger, online or off.
Identity is your phone
No documents, no bureaucracy. A verified phone number plus the trust of your group is all it takes to take part.
Where we are
We're building in the open and onboarding our first groups. The member experience starts as an installable web app that works offline; native apps and deeper financial-institution partnerships follow. If you run a chama or merry-go-round and want to help shape it, we'd love to hear from you.