Member
Save & pay in seconds
Top up savings and pay collections straight from M-Pesa — every fee itemised before you confirm, and your receipt lands in 2 seconds. Kila wakati.
Kenyan SACCO banking, made simple
Your SACCO,
in your pocket.
SACCO yako, mfukoni mwako.
Protect Your Savings. Power Your Ride.
Save, pay, approve and reconcile — every fee itemised, every receipt in 2 seconds, Kiswahili built in.
Sandbox proof-of-concept — no real money moves.
1,248
SACCOs ready to onboard
KES 4.2M
simulated daily · sandbox demo
2s
from payment to receipt
100%
offline-capable demo
One app, three seats at the table
Built for every seat in the SACCO
Chairman
Approve with maker-checker
Nothing moves without two pairs of eyes. Review, approve or query any collection from your phone — with a full audit trail behind every decision.
Treasurer
Reconcile to the shilling
Settlements, float and fees tie out automatically at day's end. Export clean reports your auditor will actually enjoy reading.
The money journey
Follow the money — every step visible
-
1
Choose collection
Pick what you're paying — weekly savings, welfare, loan repayment.
-
2
See every fee
The full breakdown before you confirm. No surprise totals, ever.
-
3
M-Pesa prompt
Enter your PIN on your own phone. Kinga never sees it.
-
4
Instant receipt
Your receipt lands in under 2 seconds — and it's yours forever.
Coming to the demo
Meet Kinga AI — your SACCO never sleeps.
Ask in Kiswahili or English. Kinga AI answers from your SACCO's own records — who has paid, who hasn't, and what's due — then drafts the reminders for you.
- Answers from your ledger, not the internet
- Understands Kiswahili, Sheng and English
- Every action still passes maker-checker
Kinga AI
Nani hajalipa wiki hii?
Wiki hii wanachama 3 bado hawajalipa:
- Joseph K. — KES 200
- Amina W. — KES 200
- Peter M. — KES 250
Nimeandaa kumbusho — unataka nitume? ✓
Trust, engineered in
Built for Kenya
Data stays in Kenya
Kenya Data Protection Act residency by design — member data never leaves the country.
Maker-checker controls
Every movement of money needs a second pair of eyes before it happens.
Itemised fees, always
Every charge is shown before any confirm button. No surprise totals.
English + Kiswahili
Switch language anytime, on every screen — including this one.
Working alongside
Birdview Insurance
Council of SACCOs
Questions, answered
Before you ask
Is my money safe with Kinga?
This demo is a sandbox — no real money moves at all. In production, every shilling is protected by maker-checker approvals (two pairs of eyes before money moves), an append-only ledger that can never be quietly edited, and data that stays in Kenya under the Data Protection Act.
Does the app work offline?
The demo runs fully offline once installed. The production app is designed offline-first: on a weak signal your payment queues on the phone and settles automatically when the network returns.
What about members without smartphones?
Kinga is built for USSD too — any phone that can make a call can save. Dial the shortcode and follow the menu: no data bundle, no app, no problem.
When does it reach the Play Store?
What you're holding is the proof of concept. The Play Store release ships with the production build — until then, the demo APK installs straight from this page via the QR code.
Can my SACCO join Kinga?
Transport SACCOs are first in line, and the platform is built to welcome chamas, mama mboga groups, jua kali associations and county cooperatives next. Talk to us — onboarding a pilot SACCO takes days, not months.
Take it for a ride
Put Kinga on your phone tonight.
Point your camera at the code — the demo APK installs in under a minute.
Scan to download the demo APK
Download APK directly
▷ Play Store release coming soon
Android will ask permission to install — that's normal for demos outside the Play Store.
