Automatic Receipts
Timestamped confirmation goes to members and treasurer instantly.
DePesa Chama Vaults
DePesa handles
chasing, tracking,
and receipts with clear custody.
DePesa automates contribution proof, gives treasurers a real-time record, and helps groups protect value. Group funds stay in a licensed Kenyan bank account, M-Pesa pool, or SACCO channel chosen by the group.
Treasurer Feed (<60s)
Payment status updates quickly so follow-ups do not pile up.
Built-In Dispute Log
Rules and decisions are recorded for calm, evidence-based resolution.
9:41
4GWi-Fi82%
Chama snapshot
Kijani Women Chama
Monthly round • 21 members
20/21 paid this week
20 receipts auto-sent with timestamps
KES 500k → ~KES 350k reality
Bank-custodied group funds, clear value tracking
Payout day in 3 days
Message prepared for all members
9:41
4GWi-Fi82%
Group value protected
USD 0.0000
KES 500,000 saved in 2021 can lose ~KES 150,000+ in real value if left idle.
USD view tracks value reference; custody stays in the group's selected pooling channel.
Contribution status
20 receipts sent automatically
Treasurer feed (<60s)
No manual “I sent it” disputes
Payout ceremony
“KES 47,200 is on its way” via bank or M-Pesa
Receipts, rules, and dispute logs with clear custody structure.
30–40%
KES value loss vs USD in the last ~4 years
Based on CBK KES/USD trend (2021-2025).
KES 500k
Saved in 2021 can feel like ~KES 350k in USD terms today
<10 sec
Automatic timestamped receipts shared with members and treasurer
1 message
Shareable payout confirmation that members remember
01: How it works
Four steps. One M-Pesa account.
01
Step 01
Contribute via M-Pesa
Members pay through the same familiar flow and everyone gets an automatic timestamped receipt.
Automatic Social Receipts
02
Step 02
Treasurer feed updates quickly
Treasurers usually see who paid, who is pending, and what was confirmed within about 60 seconds after payment confirmation.
Fast Contribution Feed (Typically <60s)
03
Step 03
Payout day feels ceremonial
Members receive a celebratory payout message with amount, timestamp, and value protected in USD terms.
Shareable Payout Confirmation
04
Step 04
Disputes follow agreed rules
If conflict happens, the app shows the pre-agreed group rules and dispute log everyone accepted upfront.
Built-In Dispute Resolution
02: Why USD
Show the KES loss clearly, then protect it.
Product
Core Value
What Users Actually Experience
M-Pesa wallet only
KES only
Simple, but savings lose value as KES weakens
WhatsApp + Google Sheet
Manual trust
Heavy follow-ups, delayed proofs, and reconciliation done late at night
SACCO-only workflow
Structured rules
Strong governance, but slower group-level visibility for day-to-day contributions
DePesa Chama Operations Layer
Trust + value visibility
Auto receipts, clear rules, dispute logs, and payout confirmations across bank, M-Pesa, or SACCO flows
03: What you get
The operational layer most group tools do not provide.
What others miss
- They track money, but not group trust moments.
- They show balances, but weak payout/dispute evidence.
- They force one channel even when groups are hybrid.
What DePesa adds
- Fast proof feed for members and treasurers.
- Policy-backed dispute logs for clean resolution.
- One workflow across bank, M-Pesa, SACCO, or hybrid pooling.
F01
Feature 01
Proof that reaches everyone automatically
Every contribution sends timestamped receipt updates to members while treasurers get one clear confirmation feed.
F02
Feature 02
Value visibility without custody confusion
Members see clear KES-to-USD value context, while pooling stays in the group's chosen bank, M-Pesa, or SACCO workflow.
F03
Feature 03
Payout communication people trust
Members receive clear payout confirmations like “KES 47,200 is on its way,” with timestamp and traceable payout context.
F04
Feature 04
Disputes resolved with evidence, not pressure
Rules are set upfront and logged, so conflicts over missed rounds or order changes can be resolved calmly.
F05
Feature 05
Concierge onboarding for real treasurer workflows
The first cohorts get guided setup, record migration support, and direct product-team access.
F06
Feature 06
Built for real group stacks, not idealized apps
Designed for groups moving between WhatsApp, M-Pesa, bank, and SACCO routines, without technical setup burden.
04: Built for real chamas
What members feel, not just what systems run.
Proof 01
Trust work is automated first
Proof of payment and treasurer visibility are product defaults, not admin afterthoughts.
Proof 02
USD value story is concrete
Users see the KES 500,000 to KES 350,000 reality immediately instead of vague “volatility shield” wording.
Proof 03
Payout is a meaningful moment
Payout confirmations are designed to be memorable and shareable, turning every cycle into organic advocacy.
Proof 04
Conflict process exists before conflict
Pre-agreed rules and dispute logs help groups resolve awkward moments without breaking trust.
What treasurers said in pilot interviews
- • Members repeatedly ask whether payment was seen, so confirmation speed is critical.
- • Reconciliation takes too long when updates are split across SMS and WhatsApp.
- • Payout-order disputes require pre-agreed rules and a clean decision log.
Summarized from pilot treasurer calls, Nairobi
05: Research
Built from real market behavior, not assumptions.
Central Bank of Kenya
CBK Foreign Exchange Rates
Supports KES depreciation framing used in DePesa value-protection messaging.
Read sourceM-Changa
M-Changa USSD Fundraising Workflows
Shows widespread mobile-first contribution and treasurer operations behavior.
Read sourceChumz
Chumz Group Savings Features
Confirms user demand for transparent group activity and withdrawal approvals.
Read sourceKwara
Kwara SACCO Core Banking Positioning
Validates SACCO channel importance for regulated group finance operations.
Read sourceWebSacco
WebSacco Digital SACCO System
Highlights ongoing digitization of SACCO savings, lending, and reporting workflows.
Read sourceBring your chama to the DePesa pilot.
We onboard organized savings groups first. Tell us how your chama runs today and we'll set up receipts, rules, and payout workflows with you.
Pilot focus
First cohorts get a 20-minute treasurer setup call, help migrating current contribution records, and direct product-team support.
Fill your chama profile below. This pilot is designed for group admins and treasurers who want less chasing and clearer records.