Architecture

The full housing financial services platform.

Eight products. Three phases. One ledger. Each phase commercially viable on its own — together they form a moat no competitor can replicate.

Phase 1

Core platform

LIVE

Rent Accumulation

Progressive M-Pesa contributions, immutable ledger, STK push.

Landlord Console

Multi-unit dashboard, at-risk alerts, reconciliation.

Admin Console

Operations, dispute resolution, audit trail.

Phase 1B

Safaricom integrations

INTEGRATING

Rent Fuliza

Day-25 micro-advance when tenant is short. Repaid next cycle.

Landlord Insurance

Default cover via Safaricom Bima distribution.

Diaspora Rent

M-Pesa Global corridor. Family abroad pays rent directly.

Phase 2

KCB co-creation

COMING

Deposit Escrow

Pay deposit in installments. Held in licensed escrow.

Rental Passport

Portable verified credential. Mortgage-ready at 12 cycles.

Rent-Backed Mortgage

KCB underwriting against rent record. No payslip required.

Pan-African expansion

Same model. Same infrastructure. Five markets.

Kenya
Safaricom · M-Pesa
Live
Tanzania
Vodacom · M-Pesa
2027
Uganda
MTN · MoMo
2027
Ethiopia
Telebirr
2028
DRC
Airtel Money
2028
Rwanda
MTN · MoMo
2028