grow what you save

Money that grows toward the light.

Auxin turns every M-Pesa deposit into a balance that keeps moving forward — on your own, or with your chama. No spreadsheets, no guesswork.

auxin, noun — the hormone that bends a plant toward light

how it works

Three stages, same as any living thing.

01 — germinate

Send money in seconds

Tap deposit, confirm the prompt on your phone. STK Push moves cash from M-Pesa straight into your wallet — no card, no bank branch.

02 — take root

Every shilling is accounted for

Behind the scenes, a double-entry ledger posts every deposit and withdrawal. Nothing moves unless the books balance to zero.

03 — bloom

Withdraw whenever you need to

Watch your balance grow, then pull it back out to M-Pesa on your terms. No lock-ins in phase one.

built to last

A foundation for real money, not a prototype.

Built on M-Pesa

Deposit and withdraw straight from the number you already use, via Safaricom's Daraja STK Push and B2C.

Save with your chama

Goals and group savings are next on the roadmap — built on the same ledger as everything else, so the accounting never has to be re-plumbed.

A ledger, not a balance column

Every transaction is a journal entry that has to sum to zero. That's how banks keep books — not a number that can silently drift.

Verified by phone, not paperwork

Get started with just your phone number. Fuller verification unlocks higher limits as you grow.

Be first to plant your money.

We're finishing the sandbox rollout for Kenya. Leave your email and we'll let you know the moment Auxin opens up.