01
M-Pesa & manual recording
Collect contributions with an M-Pesa prompt or record cash by hand. Mobile-money and offline payments live side by side in one history.
Real Chama, built in
Built for how
groups
really save
One platform, both models
Money, governance, and trust — handled, so your group can focus on its goals instead of its bookkeeping.
01
Chama
Pooled savings & member lending
02
Merry-go-round
Rotating payouts, turn by turn
Money
Move money the way your group already does — by mobile money or by hand.
Two savings models
Run a chama (pool savings, lend to members) or a merry-go-round (rotate the whole pot each cycle). Pick what fits your group.
Loans with your rules
Lend the pool with flat or reducing-balance interest, optional guarantors, and approval by an officer or a member vote — all configurable.
04
Cycles & share-out
Run bounded rounds that close with a clear share-out — pro-rata by contribution by default, or split equally.
Governance
The structure of a real chama, built in.
01
Elections & roles
Elect a chairperson, treasurer, and secretary with open voting and fair tie-breaks. Roles update as your group votes — never baked in.
02
Contribution scheduling
Set the amount and frequency once. The app tracks who has paid and who is behind, so nobody has to chase by memory.
Statements & reports
Every member gets a clear statement of their contributions, loans, and share of the pool — at any time, not just at year-end.
Trust & transparency
A single source of truth nobody can quietly edit.
Phone-number identity
Register with a phone number — no email, no paperwork, no ID documents to hand over. Your group vouches for its members.
Append-only ledger
Every shilling is one immutable record. Entries are never edited or deleted; corrections are new, visible entries. Balances always add up.
SMS & push notifications
Reminders for due contributions, loan approvals, payouts, and elections — by SMS where it matters, push where it is installed.
Works offline
An installable app that keeps working when the network does not. Records queue and sync safely once you are back online, never double-posting.
