Rounds, tracked to the shilling
Start rounds and track every member's contribution from reported to confirmed. Self-reported codes are never presented as verified — the recipient's confirmation is what counts.
For Kenyan chamas
Money moves better together.
Kusanya is the ledger for your chama — the savings group kitabu that nobody can cook. Members send contributions straight to the round's recipient in M-PESA; the app records and verifies every shilling — in English, Kiswahili, and Somali.
- KES 0
- Kusanya fees on member payments
- Free
- for chamas up to 5 members
- 3
- languages, fully translated
The witness, not the bank
10-character M-PESA code
PDF round books by email
English · Kiswahili · Somali
Your money never touches us
Kusanya is the witness, not the bank.
Members send contributions directly to the round's recipient in M-PESA. The app only records and verifies.
There is no button in Kusanya that can hold or move your money.
How it works
Three steps. No chasing, no guessing.
-
01
Pay your round
Send your contribution in M-PESA as usual, straight to the round's recipient. Then enter the 10-character M-PESA code in Kusanya.
-
02
Get confirmed
The recipient or an officer confirms it in the app. Reported and confirmed are always distinct, and everyone can see the difference.
-
03
Watch the board
The whole chama sees who has sent and who is left — no more chasing, no more guessing.
The product
Everything a chama needs. Nothing it doesn't.
Disputes solved in 30 seconds
The M-PESA code either exists in the recipient's own account or it doesn't. Check it, settle it, and get back to the meeting.
PDF round books by email
A clean ledger for every meeting, emailed to the chama as a PDF round book. Print it, file it, or hand it to the next treasurer.
Governance with a full audit trail
Proposals, binding member votes, and co-admin roles — with an audit trail nobody can quietly edit. Passed rules take effect automatically.
Member chat in every chama
Talk stays next to the record. Every chama has its own member chat, so questions about a round never get lost in a side group.
Push notifications that matter
Claims, confirmations, and round starts reach members instantly — nobody needs to be chased with phone calls.
The real app, running on a real phone — captured from our Android test suite, not a mockup.
For treasurers
Your superpower, not your replacement.
Keep perfect books, export them, and never be accused again — every shilling has a receipt. Kusanya keeps the ledger and sends the reminders; the judgement stays with you.
Pricing
Free for chamas up to 5 members. Upgrade as you grow.
Upgrade to Katibu, Mwenyekiti, or Mhazili for bigger groups, multiple chamas, and a professional treasurer dashboard. Plans are monthly subscriptions billed and managed by the Apple App Store or Google Play — cancel anytime. And because members pay each other directly, there are no Kusanya fees on contributions or payouts, ever. Safaricom's own M-PESA charges may apply on your side, always separate from Kusanya.
Mwanachama
Free
The complete core product, forever — rounds, the shared ledger, confirmations, receipts, chat, and notifications. Chamas are capped at 5 active members.
Katibu
$2.99/mo
1 premium chama slot — grow one chama beyond the 5-member cap.
Mwenyekiti
$5.99/mo
3 premium chama slots, for officers keeping several chamas on the books.
Mhazili
$14.99/mo
15 premium chama slots plus the professional treasurer dashboard, for overseeing many circles at once.
Trust & security
Built like a ledger, because it is one.
Records that cannot be rewritten
A double-entry ledger sits under every record. Corrections add new entries; history is never deleted. Statements, receipts, and exports are always available to every member.
Row-level security
Every private table is protected by database-enforced access rules. One chama can never read or alter another chama's records — not even by accident.
Built for real conditions
Works on affordable Android phones, slow networks, and offline gaps. Duplicate taps, retries, and restarts can never create duplicate records, and the last-updated time is always visible when you reconnect.
Privacy in plain sight
Phone numbers and payment references are masked in displays and logs. You control reminders, biometric lock, and session review from your own settings.
One shared record, in your language
Every member — chairperson or first-time smartphone user — sees the same balances, the same history, and the same receipts. Switch between English, Kiswahili, and Somali at any time; the whole app follows, including receipts and statements. Large-text Easy View and screen-reader support come standard.
- EnglishMoney moves better together.
- KiswahiliPesa husongea vizuri pamoja.
- SomaliLacagtu si fiican ayay wada u socotaa.
Bring your chama home.
Kusanya is in a closed pilot with a small number of Kenyan chamas. Leave your email and we will invite you as places open.
Prefer email? Write to pilot@kusanya.app