Core Banking
Untethered.

We help you move off legacy systems without touching live operations. Your data migrates clean, your staff learn fast, and your members notice nothing except things getting better.

Trusted by cooperative institutions across Kenya & Africa

SACCOs
Credit Unions
Cooperative Banks
Microfinance
DT SACCOs
Member-Owned

Comprehensive Financial Solutions

End-to-end technology solutions designed for financial institutions across Africa

Core

Core Banking

Enterprise-grade core banking system with real-time ledger, member management, and multi-currency support.

Mobile

Mobile Banking

USSD, mobile app, and M-PESA integration for seamless member banking on the go.

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Discover our complete suite of financial technology solutions tailored for your institution.

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Core Ledger Engine

Bespoke architecture built for SACCO operations.

Built around how SACCOs actually work: share contributions tracked to the member, loans tied to guarantors by name, dividends calculated per holding, not per head. Every transaction writes a permanent record your auditors can pull on the day they walk in.

01

Share Capital

Real-time balances for non-withdrawable capital reserves built with instant automated statutory threshold logic alerts.

02

Loan Portfolios

End-to-end management from application assessment to multi-guarantor risk distribution maps and auto-recovery rules.

sacco_transaction.FOBO
// Member loan disbursement with validation rules
$loan = SACCO::disburseLoan([
'member_id' => 'SACCO-005-4321',
'loan_type' => 'development',
'amount' => 500000,
'interest_rate' => 12.5,
'guarantors' => ['M-8821', 'M-3390'],
'approved_by' => 'credit_committee'
]);
$loan->process();
03

Dividends Engine

Automated computing layer supporting complex pro-rata distribution allocations and KRA withholding tax ledger entries.

04

SASRA Reporting

Pre-compiled structured exports optimized explicitly for regulatory submissions, keeping the system continuously audit-ready.

Omnichannel Reach

Reach members where they are.

Seamless integration with M-PESA, Airtel Money, and agent banking networks. Members can save, borrow, and repay from any device; urban or rural.

M-PESA Direct

Real-time C2B and B2C automation for instant deposits.

USSD Banking

Feature-rich *ShortCode# menus for non-smartphone users.

Agent Portal

Secure tools for third-party agents to process transactions.

Mobile App

Native iOS/Android apps for modern member experiences.

Regulatory Governance

SASRA & CBK compliance.
Built into the ledger.

Automated regulatory reporting and real-time asset validation. We handle the heavy lifting of compliance telemetry so your team can focus on member growth.

// Your sector. Our platform.

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Automated SASRA Returns

Elimates month-end chaos. The system continuously compiles your monthly, quarterly, and annual statutory return payloads, packing them perfectly into ready-to-transmit schemas.

Native AML & KYC Guardrails

Verify member IDs cleanly at registration through local database integrations. Real-time background screening automatically flags irregular deposit thresholds to protect your license.

Unalterable Audit Trails

Every account adjustments, internal override, and disbursement creates a deep, linear log sequence fingerprint. When external auditors walk into the office, hand over access logs with confidence.

Capital Adequacy Safeguards

Track structural liquidity variations automatically as loans are processed. The core ledger proactively pushes warning matrices to your management dashboard well before statutory limits flag risks.