A bank you can hold in your hand, built for Kenya.
Credit, marketplace, insurance, savings, wealth, and business banking. From your phone or USSD. Regulated by the Central Bank of Kenya.
Choose the safest next action
- Have core documents ready before applying.
- Phone access is needed for OTP or next-step contact.
6 common paths
Everything in one account
Credit
Logbook, trade finance, import finance, fleet, payroll advance, education, BNPL, solar, credit builder. Decision in two minutes on standard products.
Soko marketplace
RFQ bidding, live auctions, SCF invoice discounting, vehicle imports, group procurement, revenue-share financing.
Insurance
Motor, health, life, funeral, income protection, trade credit, and NDVI parametric cover for smallholder farmers.
Wealth
Retail DCM bonds, money-market funds, T-bills, T-bonds, and forex conversion for diaspora.
Savings
Easy-access, goal-based, fixed deposit, emergency, and junior accounts. Up to 9% pa. Instant top-up from wallet.
Business banking
Invoicing with VAT, P&L from Daftari till data, payroll with PAYE, NHIF and NSSF, and stock attestation.
Choose your surface
Borrower app
Apply, track, repay, and manage wallet, savings, marketplace, and insurance from a phone or USSD.
- Credit applications and loan management
- M-Pesa repayments and wallet
- Soko marketplace and Daftari ledger
- Insurance quotes and savings
- Feature-phone access via *200#
Officer console
Underwriting queue, fraud review, pipeline analytics, GL, and portfolio management for credit officers.
- Kanban underwriting queue and scoring
- Fraud analysis and counterfactuals
- GL journal, trial balance, period close
- Officer inbox with bulk assignment
- Soko RFQ management and auctions
Executive portal
Business condition dashboard for CEO, CFO, COO, CRO, and the board. P&L, risk, treasury, capital adequacy, strategy OKRs.
- P&L, balance sheet, cash flow
- ECL, NPL trending, stress tests
- Treasury, FX exposure, liquidity
- Board pack PDF and investor relations
- Strategy OKRs and per-cluster rollup
CBK examiners: read-only evidence portal at examiner.situ.datacraft.co.ke
From application to M-Pesa
Apply from your phone
Digital application. No branch visit, no paperwork.
Decision in two minutes
SME score, bureau, NTSA VCAM, and sector index feed the decision engine. Standard products get an answer in under two minutes.
M-Pesa within a day
Approved loans disburse to M-Pesa in under 24 hours. Track every step live.
Built to be checked
Digital Credit Provider licence No. CBK/DCP/2024/017.
Every data touch governed by SpiceDB relationship checks.
Monthly expected-credit-loss computed across the full portfolio.
298 event types. Every action is an immutable, timestamped record.