Complete Product Capabilities
Engineered specifically for Kenyan Chamas, Investment Syndicates, SACCOs, and Welfare Societies to operate with bank-grade precision, complete audit clarity, and zero manual reconciliation delays.
Multi-Tier Member Workspaces
Store complete member profiles with verified Kenyan National ID numbers, telephone credentials, emergency next-of-kin assignments, and historical share purchases.
Sub-Second Daraja 2.0 Webhooks
Members can trigger instant contributions from their phone. Funds hit your Chama's Paybill or Till number and reconcile automatically to the member's personal savings account.
Loan Credit & Multi-Guarantors
Configure reducing-balance or flat-rate loan products, enforce mandatory guarantor pledges with savings collateral locks, and track 30/60/90-day delinquency risk.
Welfare & Benevolent Society
Dedicated ring-fenced benevolent reserve accounts. Process emergency bereavement, medical, and congratulatory claims with multi-official signoff workflows.
Cryptographic Audit Logs
Every modification, contribution override, expense voucher, or dividend distribution is indelibly stored with actor ID, IP address, and old vs new data payloads.
SASRA Standard Reports
Instant balance sheets, profit & loss statements, and member dividend share distributions formatted specifically to Kenyan Ministry and SASRA standards.
Experience All Features in Our Interactive Demo
Jump into our pre-populated Kenyan Chama sandbox environment with 45 demo members, active loans, and M-Pesa STK simulations.