Software for SACCOs and microfinance institutions
Members expect to check balances, apply for loans and pay in from their phones. Staff are still reconciling M-Pesa statements by hand. We build the member portal, the payment rails and the back office that connect the two, on infrastructure you control.
Problems we hear
01
Contributions and loan repayments arrive over M-Pesa and are matched to members manually
02
Members call or visit the branch for statements and balances
03
Member records sit in spreadsheets with no audit trail
What we build
Member portal
Statements, balances, loan status and contribution history, available on a phone.
M-Pesa collections and payouts
STK push for contributions and repayments, B2C for disbursements, reconciled automatically.
Private AI for staff
Ask questions of your own bylaws and loan policies, with citations, without data leaving your servers.
Built on components already in production: smart rag, xuremi pay.
Questions
Can member data stay on our own servers?
Yes. Private deployments run on infrastructure you control, so records and the AI that reads them stay inside your environment.
Do you integrate with M-Pesa Paybill and Till numbers?
We hold production M-Pesa Daraja credentials and build collection and disbursement flows. We confirm what your shortcode type supports during scoping.
Talk to us about SACCOs & microfinance.
A short call is enough to tell you honestly whether we are the right team and what a first version would involve.