Africa's Community Operating System
Your savings, your SACCO — one tap away.
Helping Communities Grow.
Save, pay and stay covered in one tap — your Pochi held safely by your SACCO, every fee itemised before you confirm, every receipt in 2 seconds. Kiswahili built in.
Sandbox proof-of-concept — no real money moves.
New in Kinga v0.2.0
Your Pochi is money held safely with your own SACCO — never with Kinga. Always visible, always itemised, always yours.
Extra money from payments lands in your Pochi automatically, and you can top it up from M-Pesa in two taps — top-ups are free, so the full amount lands. Tap the gold Pochi card anytime for the full history of every shilling in and out.
Pay for any service from Pochi, from M-Pesa, or both together — the split is itemised on the fee sheet before you confirm. Pochi-only payments confirm instantly, with no M-Pesa prompt at all.
Choose your services, pick daily, weekly or monthly, and let your Pochi do the rest. Been away? Autopay catches up safely, never double-charges, tells you when it skips — and stops itself the moment a premium is fully paid.
Cover builds with every contribution — instalments itemised per cover on every payment. The moment the full premium is paid, cover activates instantly and the notification confirms it. Overpay? The extra is protected and credited back to your Pochi.
One app, three seats at the table
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.
Nothing moves without two pairs of eyes. Review, approve or query any collection from your phone — with a full audit trail behind every decision.
Settlements, float and fees tie out automatically at day's end. Export clean reports your auditor will actually enjoy reading.
The money journey
Pick what you're paying — weekly savings, welfare, loan repayment.
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.
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.
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
Every screen below is the real app — swipe through, then install it.
Coming to the demo
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.
Kinga AI
Wiki hii wanachama 3 bado hawajalipa:
Nimeandaa kumbusho — unataka nitume? ✓
Trust, engineered in
Kenya Data Protection Act residency by design — member data never leaves the country.
Every movement of money needs a second pair of eyes before it happens.
Every charge is shown before any confirm button. No surprise totals.
Switch language anytime, on every screen — including this one.
Questions, answered
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.
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.
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.
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.
What you're holding is the proof of concept. The Play Store release ships with the production build — coming soon.
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. Talk to us: onboarding a pilot community takes days, not months.
Take it for a ride
We're putting the final polish on Kinga before it goes live for everyone.
