features
Phase one keeps the surface area small on purpose: a wallet, a ledger, and M-Pesa in and out. Here's what that includes, and what's already designed to slot in next.
Deposit and withdraw straight from the number you already use, via Safaricom's Daraja STK Push and B2C.
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.
Get started with just your phone number. Fuller verification unlocks higher limits as you grow.
Every deposit and withdrawal is timestamped and searchable, so your balance is never a mystery.
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.
Phase one is a straightforward wallet: your money moves back to M-Pesa whenever you ask it to.
Name a goal, set a target, and watch contributions track toward it automatically.
Pool savings with people you trust, with shared visibility into contributions and payouts.
Put idle balance to work in money market and fixed-return products, without leaving your wallet.
Fuller identity verification for higher transaction limits, on top of the same phone-first sign-up.