Africa's Community Operating System

Akiba yako,
jamii yako.

Your savings, your community — one tap away.

Helping Communities Grow.

Save, pay and stay covered in one tap — your Pochi held safely by your community, every fee itemised before you confirm, every receipt in 2 seconds. Kiswahili built in.

Join Kinga
Kinga app dashboard
1,248 communities ready to onboard
271 automated tests guarding the money rules
2s from payment to confirmation
2 languages — English + Kiswahili, every screen

Why join Kinga

Built to make your community stronger

Every member gets more than an app — cheaper cover, better loan terms, and total visibility into their money. Every community gets a system that runs itself: live reconciliation, maker-checker, and a full audit trail behind every shilling.

Cheaper cover, through Birdview

Kinga members get discounted Birdview Microinsurance cover — pay your premium a little at a time, itemised on every payment, and cover activates the moment it's fully paid.

Lower loan rates, earned by saving

Your saving record is your credit history. The more consistently you save, the better the rate and the higher the limit your community can offer you.

A statement in your inbox, every day

Daily email statements keep your savings, Pochi and cover status in view without opening the app — plus instant notifications the moment anything moves.

Money that moves itself

Set autopay once and your contributions happen on schedule — daily, weekly or monthly — funded from your Pochi, the money your community already holds for you.

Signed up in under 2 minutes

Just your phone number to get started — no paperwork, no branch visit. Add your ID and other details whenever it suits you.

Works on any phone, in your language

No smartphone? Dial our USSD shortcode — any phone that can call can save. Every screen, on every device, in English or Kiswahili.

One app, three seats at the table

Built for every seat in your community

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

Save & pay in seconds

Pay collections from your Pochi, from M-Pesa, or both — 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 — including how it splits between Pochi and M-Pesa. Charges are added on top, so the amount you chose is the amount you save.

  3. 3

    Confirm your way

    Paying with M-Pesa? Enter your PIN on your own phone — Kinga never sees it. Paying from Pochi only? It confirms instantly, no prompt at all.

  4. 4

    Instant receipt

    Your KNG receipt lands in under 2 seconds, with the real M-Pesa code kept on it as proof — and it's yours forever.

Straight from the app

See it for yourself

Every screen below is the real app — swipe through to see more.

Kinga welcome screen
Karibu Kinga
Member dashboard with balance and savings streak
Your money, at a glance
Pay collection screen with itemised fees
Every fee, before you confirm
Instant payment receipt
Receipt in 2 seconds
Digital membership card with QR
Your membership card
Treasurer reconciliation dashboard
Treasurer: reconciled live
Chairman dashboard with weekly chart
Chairman's full picture
Kinga AI assistant chat
Ask Kinga AI — EN au SW
USSD menu session
USSD — any phone works
Dashboard in dark mode
Dark mode included

Coming in v2

Meet Kinga AI — your community never sleeps.

Ask in Kiswahili or English. Kinga AI answers from your community'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 Microinsurance Council of SACCOs

Questions, answered

Before you ask

Where does my Pochi money sit?

With your SACCO — never with Kinga. Kinga is the software your community runs on; the money itself stays with your SACCO. Your Pochi shows exactly what your SACCO is holding for you, and every movement is listed in the Pochi history. Top-ups from M-Pesa are free, so the full amount lands.

Is my money safe with Kinga?

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?

Kinga 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 — coming soon.

Can my community join Kinga?

We are launching with boda boda SACCOs and going deep there first. Other transport SACCOs follow, then farmers, women's groups, cooperatives, SMEs, schools, churches, NGOs and county governments — the platform is already built to welcome them by configuration, not new code. Onboarding a pilot community takes days, not months — use the form below to get started.

What does our SACCO need to get started?

Your chairman or treasurer installs the app and runs a short setup wizard — add your officials, your M-Pesa paybill or till, and you're live. Our team stays with you through onboarding; a pilot community is typically live within days, and every setup action is recorded in an audit trail your officials can review.

Is there a cost for our SACCO to join?

Kinga's fee rides on top of what a member chooses to pay — it is never deducted from their savings, and every charge is itemised before anyone confirms a payment. Commercial terms are configurable and fully disclosed to your officials, never hidden in the fine print.

Get started

Bring Kinga to your community

Tell us a little about yourself and we'll reach out — no commitment, just a conversation.

We'll contact your SACCO or community directly and guide them through joining. You'll also need the app — we'll point you to it once your community is set up.

We'll walk you through it: your officials install the app, complete your community's registration, and we take it from there.

Take it for a ride

Coming soon to the Play Store.

We're putting the final polish on Kinga before it goes live for everyone.

▷ Play Store release coming soon