✓Clear fees. Independent approvals. A permanent shared record.
8 membersRound 4KES
9:41● ●
kusanya
GOOD MORNING, AMINA
Umoja Circle
Total contributed
KES 47,500Round 4 of 12 · 8 members
YOUR NEXT MOVE
Friday's contribution is ready.
KES 2,500Review and pay →
Coming up
Next payoutWanjiku · 20 Jul
Round progress67% gathered
HomeChamasActivityProfile
Create●Contribute●Approve●Reconcile
WHY KUSANYA
A chama should bring people together—not leave them guessing.
Kusanya gives every member the same clear view of what is due, what is pending, what has cleared, and what happens next. No hidden actions. No confusing money states.
HOW IT WORKS
From the first rule to the final receipt.
01
Start together
Create a chama with contribution dates, payout order, roles, and clear rules everyone can review.
↘02
Contribute clearly
See the principal, every known fee, the payment phone, and the exact total before you continue.
↘03
Approve independently
A different authorized member checks a payout before funds can move—clear maker-checker protection.
↘04
Keep the full record
Receipts, statements, votes, support cases, and corrections stay visible in one permanent activity ledger.
↘
THE EXPERIENCE
Designed around the moments that matter.
Every important money screen leads with one clear message, one obvious action, and the details needed to decide with confidence.
01 · BEFORE MONEY MOVES
Know the full amount first.
‹Payment reviewHelp
YOU'RE CONTRIBUTING
KES 2,500
to Umoja Circle
ContributionKES 2,500
Kusanya feeShown before pay
Provider feeIf applicable
TotalConfirmed first
Fees apply only after a successful, reconciled transaction.
Pay securely with M-PESA
02 · AFTER IT CLEARS
A receipt only when it is reconciled.
PAYMENT CLEARED
KES 2,500
Cleared and reconciled
ChamaUmoja Circle
ContributionRound 4
ReferenceQH•••2K4
Date13 July, 10:42
DoneShare receipt
03 · WHEN RULES CHANGE
Every member gets a clear vote.
‹Rules + vote18 Jul
PROPOSAL 04
One rule. One clear vote.
CONTRIBUTION DATEMove the weekly deadline from Friday to Saturday.
Now Friday · 6 PMProposed Saturday · noon
✓ AgreeDisagree
Submit my vote
ONE COMPLETE CHAMA HOME
Built for the whole cycle.
From invitation to contribution, payout, rule change, and statement—Kusanya keeps the group's work connected.
01
Guided chama setup
Contribution amount, frequency, payout order, roles, voting rules, and a review before activation.
02
M-PESA-first payments
Review, approve on your phone, check status safely, and never pay twice while a result is unknown.
03
Maker-checker payouts
The person requesting a payout cannot be the only person approving it.
04
Rules and voting
See current and proposed wording together, the deadline, turnout, and the threshold required.
05
Receipts and statements
Searchable, shareable records with principal, fees, status, dates, and correction history.
06
Human help when needed
Support stays reachable from every financial journey with a case number and status history.
TRUST IS A PRODUCT FEATURE
Clear about what happened. Careful about what happens next.
✓
Money states mean exactly what they say
Submitted, accepted, cleared, reconciled, failed, reversed, and needs review are never treated as the same thing.
↔
Different people request and approve
Material payout changes invalidate earlier approvals, preserving the decision members actually reviewed.
≡
History stays visible
Corrections use new records. Kusanya does not quietly erase financial history or rewrite a past receipt.
MADE TO INCLUDE EVERY MEMBER
Clear in English. Clear in Kiswahili. Clear at any age.
Easy View brings larger type, simpler screens, visible labels, and listening support—without removing the features that matter.
UMOJA CIRCLE
Unahitaji kufanya nini sasa?
✓ Mchango wako unaofuata KES 2,500 · Ijumaa
Angalia na ulipe🔊 Sikiliza maelezo
SIMPLE BY DESIGN
Free to organize. Transparent when money moves.
KES 0
to create or join a chama and track manual contributions.
Transaction fees are always disclosed first.
A normal Kusanya transaction fee applies only after an eligible payment is both completed and reconciled. Failed, cancelled, unknown, or unreconciled transactions are not treated as successful.
Final launch pricing will be published after provider and regulatory approvals are complete.
COMMON QUESTIONS
Good questions deserve clear answers.
01What is Kusanya?+
Kusanya is a Kenya-first chama management app designed to help groups organize contributions, payment records, approvals, rules, and payouts in one clear place.
02Does Kusanya hold chama money?+
Kusanya is not designed as a wallet and does not claim ownership of customer funds. Approved payment providers and group arrangements handle money movement.
03How will pricing work?+
Core chama organization and manual tracking are planned to be free. Any transaction fee will be shown clearly before payment and assessed only after the transaction is successfully completed and reconciled.
04Is Kusanya part of Safaricom?+
No. Kusanya is an independent product and does not claim Safaricom ownership, endorsement, certification, or partnership. M-PESA is referenced only as a payment rail.
05Will it work in Kiswahili?+
The product is designed for English and Kiswahili, with layouts that support longer translated text and an optional Easy View for larger, simpler screens.
06When can I download the app?+
Kusanya is currently preparing for a controlled launch. Official Google Play and Apple App Store links will appear here only when the release is ready.
COMING SOON
Your chama. Moving with confidence.
Kusanya is preparing for a controlled launch in Kenya.