Menu
Bank-Grade 2FA Security

Smart Chama Operating System for Kenyan Groups

Automate M-Pesa STK savings, digital loan applications with SMS guarantor approvals, merry-go-round rotas, welfare kitties, and real-time audited financial statements.

KES 0.1M+
Contributions Reconciled
40+
Active Members
100%
2FA Automation
Executive Chama Ledger ● LIVE
Monthly Savings
KES 485,000
✓ 100% M-Pesa Synced
Active Loan Book
KES 1.25M
78 Performing Loans
Merry-Go-Round
Turn #4 Active
KES 40,000 Payout
Welfare Kitty
KES 680,000
Relief Ready
Mandatory 2FA Security
M-Pesa STK Push Prompts
Instant Audited Statements
Multi-Signatory Approvals
Digital Loan Guarantors
Merry-Go-Round Rotas
Welfare Benevolent Kitty
Mchango Live Fundraisers
One-Click Tax Balance Sheets
Mandatory 2FA Security
M-Pesa STK Push Prompts
Instant Audited Statements
Multi-Signatory Approvals
Digital Loan Guarantors
Merry-Go-Round Rotas
Welfare Benevolent Kitty
Mchango Live Fundraisers
One-Click Tax Balance Sheets
Platform Capabilities

Everything Your Group Needs to Grow & Prosper

Replace paper ledger books, spreadsheet errors, and WhatsApp confusion with automated fintech infrastructure.

Contributions & Savings

Trigger automated M-Pesa STK prompts for monthly deposits, track individual balances, share capital, and dividend yields with zero manual bookkeeping.

Digital Loans & Guarantors

Members apply for loans online with automated interest computing and multi-member SMS guarantor approvals.

Merry-Go-Round Rotas

Automated revolving fund schedules with turn swapping, reminder SMS alerts, and one-click bulk payouts to the active recipient.

Welfare & Benevolent Kitty

Manage bereavement, medical, and emergency benevolent funds with transparent claims verification, approvals, and payout logs.

Mchango & Fundraisers

Launch targeted fundraising drives for investments, weddings, or land purchases with live progress bars and public donor boards.

Audited Financial Reports

Generate one-click balance sheets, cash flow statements, trial balances, and tax-ready summaries exportable to PDF and Excel.

Simple 3-Step Setup

Get Started in Under 3 Minutes

1

Register Your Chama

Enter your Chama name, choose your leadership role, and secure your workspace with instant 2FA.

2

Onboard Members

Invite your members via SMS or email with customized contribution targets and rota sequences.

3

Automate & Prosper

Collect dues seamlessly via M-Pesa Paybill/Till, disburse loans, and review transparent live reports.

Ready to Transform Your Chama?

Join over 40+ Kenyan investment groups, table banking groups, and family welfare funds today.