Platform features
Everything in one platform
Wallets, loans, investments, bulk payments, analytics and access control — built to run a banking operation end to end.
Wallets & payments
- M-Pesa STK Push top-ups credited automatically on callback
- M-Pesa B2C withdrawals to any number
- Instant account-to-account transfers
- Pay admin-defined bills & services
- Atomic, row-locked ledger with full statements
Loans
- Products with access, processing & insurance fees (percent or fixed)
- Flat or reducing-balance interest with full amortization schedules
- Apply over USSD or web; access fee collected by STK
- Approve, disburse to wallet, repay, restructure
- Waivers, discounts, grace periods and overdue tracking
Investments
- Plans with daily, weekly, N-day, monthly or yearly rates
- Customers invest from their wallet balance
- Daily profit drops credited automatically
- Maturity & early-withdrawal handling
- Admin-side investments and per-plan reporting
Bulk M-Pesa & contacts
- Saved contacts address book — upload thousands via CSV
- Send STK to all, a selection, or a single number
- Large batches queued and processed in the background
- Live progress with success / failed / cancelled breakdown
- Per-transaction event timeline for every push
USSD engine & analytics
- Stateful flow engine with no-code menu builder
- Back, retry & resume to cut telco session fees
- Per-hop logging with timing and captured session cost
- Session outcomes, drop-off and fund-planning charts
- Success-rate and transaction-mix dashboards
Access & security
- Super-admin, admin and read-only viewer roles
- Role enforcement on every write action
- Hashed PINs with automatic lockout
- Customer web portal + admin dashboard, separated
- Audit trail across sessions, STK and callbacks