Empowering collective finance
across Kenya
ChamaCore was founded to build reliable financial accounting ecosystems for mutual investment portfolios and micro-credit unions across Kenya — replacing manual ledgers with intelligent, automated infrastructure.
Our Mission
To democratise financial management for every Chama and SACCO in Kenya — eliminating the friction of manual record-keeping and replacing it with automated, transparent, real-time infrastructure that any group treasurer can operate from a smartphone.
Our Vision
A Kenya — and ultimately an Africa — where every community savings group operates with the same financial clarity, regulatory confidence, and technological capability as a tier-1 bank. Group wealth, managed with institutional precision.
What Drives Us
Three non-negotiable commitments that shape every decision we make as a platform.
Absolute Integrity
Every payment pushed via Daraja generates immutable auditable records down to individual sub-accounts.
Inclusion Driven
Optimised layouts running seamlessly across smartphones and legacy configurations to keep everyone connected.
Regulatory Guardrails
Fully aligned with central banking guidelines to safeguard member capital data from unauthorised exposures.
What We Stand For
The principles that guide our culture, our product, and our relationship with every group we serve.
Community First
Every feature we ship is benchmarked against one question: does it make life easier for the group member? People over products, always.
Relentless Innovation
We move fast with purpose — shipping automation that reduces admin burden so treasurers can focus on what truly matters: growing the fund.
Pan-African Vision
Built in Kenya, designed for the continent. Our architecture is ready to scale across East Africa's diverse financial and regulatory landscapes.
Sustainable Growth
We measure success by the collective net worth of the groups we serve — not vanity metrics. Long-term member wealth is our north star.
Built Milestone by Milestone
How the platform has grown, milestone by milestone.
2023 · Founded
ChamaCore incorporated in Nakuru with a single pilot Chama group.
2023 · Founded
ChamaCore incorporated in Nakuru with a single pilot Chama group.
2024 · Daraja Live
Full M-Pesa STK Push & B2C disbursement integration shipped to production.
2024 · Daraja Live
Full M-Pesa STK Push & B2C disbursement integration shipped to production.
2025 · SACCO Module
Regulatory reporting suite launched — SASRA Form 4A automated generation.
2025 · SACCO Module
Regulatory reporting suite launched — SASRA Form 4A automated generation.
2026 · One platform, three services
Chama, SACCO and Welfare service groups on one platform, with USSD, an AI assistant and a public reviews section.
2026 · One platform, three services
Chama, SACCO and Welfare service groups on one platform, with USSD, an AI assistant and a public reviews section.
The Bigger Picture
Bridging Paper Records and the Digital Era
For generations, community asset networks have relied on manual ledgers, tracking updates via physical registers. ChamaCore changes the paradigm by introducing automated transaction assignments, real-time balance calculations, and secure credit parameter calculators.
Our platform guarantees full compliance with financial standards while ensuring that transparency and security remain accessible to every investment group — from a ten-member Chama in Kibera to a 5,000-member SACCO in Mombasa.