zamu

Your chama, paid straight to M-Pesa.

Everyone’s share lands in the M-Pesa of whoever’s turn it is. In exact shillings, with a receipt the whole group can see. No treasurer.

Start a chamaJoin with a codeTry a demo chamaNo money moves. For anyone outside Kenya.

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Plan your chama

Move the sliders. See what each turn brings and when yours comes.

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Each turn receives

KSh7,000

Everyone has had a turn after 8 weeks

You put in KSh 7,000 across the cycle and receive KSh 7,000 on your turn. Everyone ends even; nobody holds the money.

Start this chama →

How it works

  1. 1Agree the share and the order. Everyone signs it with Nimiq.
  2. 2Each round, members tap Pay. Nimiq Pay swaps NIM or USDT to Lightning.
  3. 3The shillings land in the recipient’s M-Pesa. Everyone sees the receipt.

Kidole kimoja hakivunji chawa. One finger cannot crush a louse.