Banking that runs on any phone.
GreenLeaf is a complete core-banking stack — wallets, M-Pesa top-ups & payouts, loans, investments and analytics — delivered over USSD, a customer web portal and a powerful admin dashboard.
300,000+ ★ 5.0
people bank with GreenLeaf
Loan approved
KES 50,000 → wallet
Wallet balance
KES 84,500
12% this month
It can only be GreenLeaf
Empowering dreams, enabling futures — banking built for everyone.
M-Pesa Wallets
Top up, send, withdraw and pay bills — money in and out via M-Pesa, instantly.
Instant Loans
Apply over USSD or web, get approved and disbursed straight to your wallet.
Daily Investments
Invest from your wallet and watch profit drop into your account every day.
Bulk Payments
Pay one person or thousands at once with tracked, queued M-Pesa prompts.
One platform, three ways to bank
Meet customers wherever they are
USSD
Full banking on any handset — register, check balance, top up, send, withdraw, pay bills, borrow and invest. Back/retry and resume cut session fees.
Customer portal
A modern, mobile-first web app where account holders do everything USSD offers — sign in with phone + PIN, no download.
Admin dashboard
Run the whole operation: accounts, transactions, loans, investments, bulk M-Pesa, analytics and role-based team access.
99.9%
Uptime target
< 1s
Avg USSD response
100%
Atomic ledger
24/7
Always-on banking
Everything you need
A full core-banking toolkit
From the first USSD dial to disbursing a loan and dropping daily investment profit — it's all built in.
Wallets & M-Pesa
Top up via STK Push, withdraw via B2C, and send money between accounts instantly. Every cent moves through an atomic, audited ledger.
Loans
Admin-defined products with percentage or fixed fees, flat or reducing interest, full amortization schedules, repayments, waivers, restructuring and grace periods.
Investments
Plans with daily, weekly, monthly or yearly rates. Customers invest from their wallet and watch profit drop daily, automatically.
Bulk STK pushes
Send M-Pesa prompts to one number or thousands from a saved contacts list — queued, with live progress and success / failure / cancelled breakdowns.
Analytics
Session outcomes, drop-off, hop timing, transaction mix, STK success rates and fund-planning cost trends — all visualised.
Sessions & fees
Every USSD hop is logged with timing and cost. Back, retry and resume keep users in one session, cutting telco fees.
Roles & access
Super-admin, admin and read-only viewer roles, enforced end-to-end so your team sees exactly what they should.
USSD engine
A stateful flow engine with menu builder, services, change-PIN and an admin "send STK" option — all toggleable, no code.
Africa's Talking
Plugs straight into AT USSD with end-of-session cost capture, and Safaricom Daraja for STK & B2C.
Phone or browser
The same account, everywhere
A customer can dial in on a basic handset or open the web portal on a smartphone — it's the same wallet, the same loans, the same investments. Nothing to download, nothing to reconcile.
- Register and transact entirely over USSD
- Mobile-first web portal with phone + PIN login
- Real-time balances backed by one ledger
How it works
Live in four steps
Connect
Point your Africa's Talking USSD code and M-Pesa Daraja keys at the platform from the dashboard.
Configure
Build your USSD menu, add services, loan products and investment plans — all without code.
Onboard
Customers dial in or open the web portal, register with a PIN, and start transacting instantly.
Grow
Disburse loans, run investments, send bulk payments and watch it all in real-time analytics.
Use cases
Built for how Africa banks
SACCOs & co-ops
Give members balance checks, deposits, loans and dividends over USSD — no branch visit, no smartphone required.
Microfinance
Originate and service micro-loans end to end: fees, interest, amortization, repayments and portfolio reporting.
Agent & wallet banking
Run a mobile-money style wallet with M-Pesa top-ups, withdrawals and peer transfers, fully reconciled.
Chamas & investment clubs
Let members invest into plans and earn daily, weekly or monthly returns — tracked to the cent.
Security & control
Safe by design
Money and data are handled with bank-grade care, from the PIN to the ledger to your team's access.
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Hashed PINs & lockout
PINs are hashed; repeated wrong attempts lock the account automatically.
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Atomic, audited ledger
Every balance change is row-locked and recorded as an immutable transaction.
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Role-based access
Super-admin, admin and read-only viewer roles enforced on every action.
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Full session trail
Each USSD hop, STK push and callback is logged with timestamps for audit.
Loved by customers
I really appreciate the support from GreenLeaf. I got a loan to restock my shop in minutes, right from my phone — I highly recommend it to fellow business owners.
FAQ
Questions, answered
Do customers need a smartphone?
No. The full experience works over USSD on any phone. A modern web portal is also available for those who prefer it.
Which mobile money does it support?
M-Pesa via Safaricom Daraja — STK Push for collections and B2C for payouts — wired to the USSD line through Africa's Talking.
Can I run loans and investments?
Yes. Define loan products (fees + flat or reducing interest, with amortization) and investment plans (daily to yearly rates). Customers use them over USSD or the web.
How are team permissions handled?
Three roles: super-admin (full control incl. system settings), admin (day-to-day operations) and viewer (read-only) — enforced everywhere.
Can I send bulk M-Pesa prompts?
Yes — upload a contacts list and send STK pushes to all, a selection, or one number, queued with live progress and success/failure/cancelled tracking.
Start banking on any phone today
Open an account in seconds, or talk to us about rolling out GreenLeaf for your organisation.