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.

Download the demo APK Try the web demo

Sandbox proof-of-concept — no real money moves.

Kinga app dashboard
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

A boda-boda rider at his stage checking his savings on Kinga
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.

A SACCO committee meeting under a tree, reviewing approvals on a phone
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.

A SACCO treasurer reconciling accounts on a tablet
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.

A boda-boda rider pays a market vendor with his phone at sunrise, Nairobi skyline behind them
“From the stage to the market — one tap, one receipt, zero doubt.” Kinga in the field · Nairobi

The money journey

Follow the money — every step visible

  1. 1

    Choose collection

    Pick what you're paying — weekly savings, welfare, loan repayment.

  2. 2

    See every fee

    The full breakdown before you confirm. No surprise totals, ever.

  3. 3

    M-Pesa prompt

    Enter your PIN on your own phone. Kinga never sees it.

  4. 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.

No smartphone? Kinga works on USSD.

Any phone that can make a call can save with Kinga. Dial and go — no data bundle needed.

Working alongside Birdview Insurance Council of SACCOs

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.