For microfinance & SACCOs

Digital wallets, loans and groups for your members.

Give members a wallet, mobile loans, savings and group finance — collected and disbursed digitally, on a smartphone or a feature phone.

Why microfinance & saccos choose PesaBridge

Cash collection is the quiet tax on every microfinance institution and SACCO — slow, costly and hard to reconcile. Members increasingly expect mobile access to their loans, savings and group contributions. PesaBridge gives each member a wallet, with deposits and withdrawals through agents, USSD and apps, and collects repayments and contributions straight to it.

On top sit the products you run on: loans with schedules, disbursement, repayment and portfolio-at-risk; goal savings; and chama / merry-go-round group finance with rotation, fines, welfare and dividends. You lower the cost of collection, raise member engagement, and gain clear, real-time visibility of your portfolio.

The challenge

What gets in the way.

Cash collection is costly, slow and hard to reconcile.
Members expect mobile access to loans, savings and group contributions.
Portfolio risk needs visibility — PAR, schedules and overdue tracking.

Outcomes

Lower cost of collection
Higher member engagement
Clear portfolio visibility

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How PesaBridge helps

What you switch on for microfinance & saccos.

Member wallets

Deposits, withdrawals and transfers via agents, USSD and apps.

Loans & PAR

Products, schedules, disbursement, repayment and portfolio-at-risk.

Savings & groups

Goal savings and chama / merry-go-round group finance.

Digital collections

Repayments and contributions collected straight to the wallet.

How it works

How money moves.

Every step settles on the same balanced ledger — cash in, wallet, payments, cash out — across apps, USSD and agents.

STEP 1

Cash in

A customer deposits cash with an agent. Agent float debits, the wallet credits — balanced.

STEP 2

Wallet

Value lands in a stored-value wallet on the double-entry ledger, PIN- and KYC-gated.

STEP 3

Send & pay

Send to another wallet, Pay Bill, Buy Goods by QR or STK, buy airtime — instantly.

STEP 4

Cash out

Withdraw at any agent; the agent float credits and the wallet debits.

How customers transact

The flows microfinance & saccos run most.

Switch between the journeys that matter to your segment. Every one checks balance and limits, then waits for PIN or biometric authorisation before a single entry hits the ledger.

Lock money into savings

Goal and group savings that move to a dedicated ledger and earn interest.

Authorised with PIN or biometric — nothing posts to the ledger until the customer confirms.

Balance & limit checked first
Validation / authorisation gate
Balanced debits & credits posted

Customer

System

CustomerOpen Goals / Group savings

CustomerSet an amount to lock

System · validatesCheck available balance

Customer · validatesAuthorise — PIN or biometric

SystemMove to the savings ledger

SystemSchedule interest accrual

System · doneSaved · balance updated

Step Validation / PIN Completed

Build vs. PesaBridge

Why not build it yourself?

You could. Here's what each piece costs in time and risk when you start from zero — versus switching it on.

Capability

Build it yourself

With PesaBridge

Balanced double-entry ledger

Months of careful engineering — and the riskiest part to get wrong

Out of the box, reconciled to zero

KYC tiers, limits & AML

Build, test and certify yourself

Configurable, regulator-ready

Agent & float network

Design float, commissions, reconciliation from scratch

Full agent / super-agent engine

USSD channel

Integrate a gateway and build the menu engine

Whole wallet over USSD, included

Native apps (User/Agent/Merchant/Corp)

Four apps × two platforms to build & maintain

Shipped, themed from your brand

Developer API & webhooks

Design, document, secure and version it

OAuth2, sandbox, signed webhooks

Rail integrations

One-off builds per provider

Pluggable adapters

Time to market

12–24 months, large team

Weeks

Countries you can launch in

Native apps, one platform

Channels — App · USSD · Web · API

Double-entry, always balanced

Ready to launch your wallet?

Book a demo and we'll stand up your brand, country and rails — and walk you through the apps, admin and API.

Book a demo Test drive first