Register with your phone
Sign up with your phone number and a one-time code by SMS. No email, no documents — your identity is your number plus the trust of your group.
How it works
Your group, running in six simple steps
The same flow a well-run chama already follows — register, agree your rules, contribute, and stay accountable.
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2 Create or join a group
Start a social group or a savings group, then invite people by phone or a link. Savings groups choose a chama (pooled lending) or a merry-go-round (rotating payout).
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3 Agree your rules
Your group sets the contribution amount and frequency, interest method, loan limits, payout order, and cycle length. The app enforces what you decide.
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4 Contribute & transact
Pay in with an M-Pesa prompt, or let the treasurer record cash. Every payment posts to a shared, append-only ledger that everyone can see.
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5 Lend, rotate, or share out
A chama lends the pool to members with interest and shares out at the end of the cycle. A merry-go-round pays the whole pot to one member each round.
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6 Stay accountable
Open statements, contribution tracking, and elected office bearers keep the group honest — the way a well-run chama already works, only easier.
That's it — your group is running
Create your account and set up your first group in minutes.