Transparency
One shared, tamper-proof ledger
Every contribution, loan, repayment, and payout is visible to every member. The record is append-only and auditable — the numbers always add up.
About us
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
Make group money easier to trust.
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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. Chama 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.
Chama
Why it matters
The principles behind the product.
Governance
Your group runs itself
You set the rules, elect officers, and decide how money moves. We record and enforce what the group agrees — we never run the chama for you.
Reliability
Works offline and online
Manual cash entries and M-Pesa live in the same ledger. Record when you’re offline; everything syncs when you’re back.
Identity
Identity is your phone
No ID photocopies, no bureaucracy. A verified phone number plus the trust of your group is enough to join and take part.
WHAT YOU GET
Features that respect
how chamas work.
Built for transparency, trust and smooth management of every contribution.
01
MERRY-GO-ROUND
Merry-go-rounds
without the
arguments
See whose turn it is, what has been paid, and what’s still outstanding. Rotation stays fair and transparent.
02
LENDING
Loans the group
controls
Members apply from their phone. The group reviews and approves by its own rules. Repayments and interest sit in the same ledger.
03
PAYMENTS
M-Pesa and cash,
side by side
Collect via M-Pesa when it suits you, or record cash the old way. Both appear in the same clear history.
04
REMINDERS
Reminders that
actually help
Gentle, timely nudges for upcoming contributions and repayments. Less chasing in WhatsApp, more members staying current.
Where we are
Building in the open
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.
