Automated Multi-Pot Accounting

Transparent, Dispute-Free Savings Ledgers

Eliminate ledger discrepancies and missing deposits forever. ChamaFlow gives every member a 24/7 personal digital passbook with automatic allocation into Savings, Welfare, and Project pots.

Explore Live Savings Ledgers View Pricing Plans

Automated Multi-Pot Split

When a member sends KES 5,000 via M-Pesa, ChamaFlow automatically routes KES 3,000 to Core Shares, KES 1,000 to Emergency Welfare, and KES 1,000 to Land Acquisition Levy.

Custom Ratio Allocations

1-Click Stamped PDF Statements

Members can generate official, digitally stamped PDF statements of their entire deposit history to use for bank mortgage qualification or visa applications anytime.

Official Certified Records

Compound Interest Engine

Run monthly or annual interest distributions on qualifying member balances. Define minimum lock-in periods and automated early withdrawal penalties effortlessly.

Algorithmic Fairness

Smart Treasury Rule

Single M-Pesa Transaction → Three Autonomous Pots

KES

Incoming Member Contribution

KES 5,000 (M-Pesa STK Verified)

Auto-Split

Core Savings (60%) KES 3,000 Earning annual dividends

Emergency Welfare (20%) KES 1,000 Ring-fenced benevolent fund

Land Syndicate (20%) KES 1,000 Asset purchase capital

Inspect 89 Live Member Balances

Explore our pre-populated savings ledgers totaling over KES 4.6M in our interactive sandbox demo.

Open Savings Sandbox