Africa's Community Operating System
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.
Starting with boda boda SACCOs. Built for every community.
Why join Kinga
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.
Kinga members can take Birdview Microinsurance cover — the premium pays itself a little at a time on every payment you make, itemised each time, and cover begins once it's fully paid and the 90-day waiting period has passed.
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.
Daily email statements keep your savings, Pochi and cover status in view without opening the app — plus instant notifications the moment anything moves.
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.
Just your phone number to get started — no paperwork, no branch visit. Add your ID and other details whenever it suits you.
Every screen is in English and Kiswahili, and you can switch at any time.
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
Where your money goes
Pick the amount. Every fee is shown before you confirm.
The M-Pesa prompt comes from the bank. You enter your PIN on your own phone.
The money lands in your SACCO's bank account. Your receipt follows once the bank confirms.
Kinga shows the fees and keeps the record. It never holds your money.
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 in v2
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
Member records — savings, contributions and identity — are handled under Kenya's Data Protection Act. They are held on a server Kinga rents in the United States, and crash reports and push notifications use Google services; the privacy notice names every one.
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.
Every shilling is protected by maker-checker approvals (two pairs of eyes before money moves) and an append-only ledger that can never be quietly edited. Member records are handled under Kenya's Data Protection Act, on a server Kinga rents in the United States.
Not for payments. The M-Pesa prompt comes from your SACCO's bank, and Kinga records a payment only after the bank confirms it — so with no signal a payment cannot start, and nothing is charged. If the bank's answer comes late, the payment is still recorded when that answer arrives.
Kinga's USSD service, for phones without internet, is not open yet. Today members save and pay through the Kinga app.
Kinga is live. The app is on the Google Play Store, and members of its first boda boda SACCOs pay real money through it, straight into their SACCO's bank account.
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.
Your chairman or treasurer installs the app and runs a short setup wizard — add your officials, then choose your SACCO's bank and give its account number. Kinga approves your SACCO and connects it to that bank; from then on the bank sends each member's M-Pesa prompt, and the money goes straight into your SACCO's account. 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.
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
Tell us a little about yourself and we'll reach out — no commitment, just a conversation.
Thank you — our team will contact your SACCO or community directly and guide them through joining Kinga.
Take it for a ride
Kinga is live. Install it from Google Play on your Android phone.
