One account. Every Kenyan.

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.

Open borrower appOfficer consoleExecutive portalExplore all roles
Regulated by CBKIFRS 9 provisionedEvent-sourced audit trailSpiceDB access control
Continue as

Choose the safest next action

Recommended: Answer a few non-personal questions before starting a long form. Route: /eligibility?family=credit&kind=logbook
  • Have core documents ready before applying.
  • Phone access is needed for OTP or next-step contact.
Continue to Check if I qualify

6 common paths

What you can do here

Everything in one account

C

Credit

Logbook, trade finance, import finance, fleet, payroll advance, education, BNPL, solar, credit builder. Decision in two minutes on standard products.

S

Soko marketplace

RFQ bidding, live auctions, SCF invoice discounting, vehicle imports, group procurement, revenue-share financing.

I

Insurance

Motor, health, life, funeral, income protection, trade credit, and NDVI parametric cover for smallholder farmers.

W

Wealth

Retail DCM bonds, money-market funds, T-bills, T-bonds, and forex conversion for diaspora.

V

Savings

Easy-access, goal-based, fixed deposit, emergency, and junior accounts. Up to 9% pa. Instant top-up from wallet.

B

Business banking

Invoicing with VAT, P&L from Daftari till data, payroll with PAYE, NHIF and NSSF, and stock attestation.

Three portals

Choose your surface

App

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#
Open app
LMS

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
Open console
Exec

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
Open portal

CBK examiners: read-only evidence portal at examiner.situ.datacraft.co.ke

How it works

From application to M-Pesa

1

Apply from your phone

Digital application. No branch visit, no paperwork.

2

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.

3

M-Pesa within a day

Approved loans disburse to M-Pesa in under 24 hours. Track every step live.

Trust

Built to be checked

CBK
Central Bank supervised

Digital Credit Provider licence No. CBK/DCP/2024/017.

REBAC
Relationship-based access

Every data touch governed by SpiceDB relationship checks.

IFRS
IFRS 9 provisioning

Monthly expected-credit-loss computed across the full portfolio.

AUD
Event-sourced audit

298 event types. Every action is an immutable, timestamped record.