The Transparent Core Banking Platform Built for African Cooperatives
Wazi means "open" in Swahili. Built for Kenyan SACCOs, MFIs, and SHGs — Wazi gives your members real-time visibility into their savings, loans, and their SACCO's health. No more waiting for the AGM. Members monitor credit ratios, liquidity, and dividend accruals daily — from their phone.
DT-SACCOs
Sector Assets
Members
Core Platform Features
Built with open-source principles and production-grade reliability. Every feature designed to make your SACCO transparent, compliant, and member-centric.
Event Sourcing
Every deposit, loan, disbursement, and member action is recorded as a permanent, immutable event. Nothing is overwritten. Nothing is deleted. The event store IS the audit trail — not an afterthought attached to it. Supervisory committees and SASRA auditors can replay the complete history to any point in time.
Member Transparency Portal
Members log in and see their savings balance, loan schedules, dividend accruals, and contribution history in real time — from their phone, any time. No more waiting for annual AGM statements. No more 'ask the treasurer.' Every shilling is visible, every day.
SASRA-Ready Compliance
NWDT and DT-SACCO regulatory returns auto-generated from the event stream. Capital adequacy ratios, liquidity schedules, NPL classifications, and insider lending reports computed in real time. SASRA's 'unfettered access' requirement satisfied structurally — the data is already there, immutable and queryable.
Self-Service Account Management
Members manage their own accounts — update details, view statements, track loan repayments, check dividend accrues — without visiting a branch or calling an officer. Reduces operational burden on SACCO staff while giving members the visibility they expect from modern financial services.
Live SACCO Health Dashboards
Key institutional metrics — liquidity ratio, NPL ratio, capital adequacy, member growth — visible to members, board, and supervisory committee in real time. Not buried in quarterly reports. Not fabricated for AGM presentations. Live, queryable, immutable.
Fraud Prevention by Design
Ghost accounts are structurally impossible — every member identity is verified and every action is signed by an authenticated user. Maker-checker controls prevent any single officer from completing a sensitive transaction alone. The KUSCCO and Metropolitan fraud patterns that destroyed KSh 27.8 billion are not possible in Wazi's architecture.
How It Works
Four stages from discovery to full operation
Discover
Browse features, watch demos, download one-pager
Demo
Request live demo, technical deep-dive with sales engineer
Deploy
Download license, install via Helm/KOTS on your infrastructure
Operate
Launch modules, onboard members, process transactions
A plan for every stage of growth
Wazi means “open” in Swahili. Every tier delivers transparency — your members see their SACCO's health, not just annual reports. From real-time balances to live credit ratios, Wazi makes every shilling visible.
Starter
Unregulated SACCOs, Self-Help Groups
Who this is for
Designed for unregulated SACCOs, village savings and loan associations (VSLAs), and nascent self-help groups. These institutions operate on trust and community accountability, with limited formal infrastructure. Members are often first-time savers.
Transparency delivered
Every member can view their current savings balance, active loans, and contribution history in real time via the member portal. No more waiting for monthly meetings to know where you stand. The immutable ledger ensures no balance can be altered retroactively — what you see is what exists.
- ✓Membership & KYC
- ✓Deposits (BOSA)
- ✓Loans & Collections
Core
NWDT SACCOs, BOSAs
Who this is for
Built for SASRA-registered Non-Withdrawable Deposit-Taking (NWDT) SACCOs and BOSA-only cooperatives. Members are typically employees, farmers, or community members with established savings discipline and regulatory oversight requirements.
Transparency delivered
Members access a comprehensive portal showing real-time loan schedules, dividend accruals, and share capital balances. The supervisory committee can view the complete forensic audit trail. SASRA compliance reports are auto-generated. Members see the SACCO's health indicators continuously — not just once a year at the AGM.
- ✓Membership & KYC
- ✓Deposits (BOSA)
- ✓Loans & Collections
- ✓Accounting & GL
- ✓Reports
- ✓SASRA NWDT Compliance
Growth
DT-SACCOs with FOSA license
Who this is for
Purpose-built for SASRA-licensed Deposit-Taking (DT) SACCOs operating Front Office Service Activity (FOSA) windows. Members have withdrawable accounts, make frequent transactions via M-Pesa and USSD, and expect bank-like service levels with cooperative governance.
Transparency delivered
Members view live FOSA account balances, transaction history, M-Pesa transfers, and mobile money statements through self-service apps. The member dashboard includes a live SACCO health score: liquidity ratio, NPL ratio, and capital adequacy — metrics historically buried in board reports are now visible to every member, every day.
- ✓Everything in Core
- ✓FOSA Module
- ✓M-Pesa Integration
- ✓Mobile/USSD Channels
- ✓SASRA DT + FOSA Compliance
Enterprise
Large DT-SACCOs, MFIs
Who this is for
Designed for large DT-SACCOs with assets exceeding KES 5 billion, microfinance institutions, and cooperatives with complex governance structures, multiple branches, and member bases in the tens of thousands.
Transparency delivered
Full transparency stack: members access real-time SACCO health dashboards, the supervisory committee views the immutable audit trail with forensic-level detail, and AGM reports are auto-generated from the event store. The system surfaces potential governance issues before they become fraud. Every shilling is traceable — from check-off deduction to loan disbursement to dividend declaration.
- ✓Everything in Growth
- ✓All Verticals (Farmer, Education, Health, Transport)
- ✓Full regulatory stack
- ✓White-label options
- ✓Dedicated support
Every shilling. Accounted for. Always.
Wazi is built on an event-sourced architecture — every deposit, loan, disbursement, and member action is recorded as a permanent, immutable event. Nothing is overwritten. Nothing is deleted. Your supervisory committee, your external auditor, and SASRA all work from the same unalterable record.
Maker-checker controls prevent any single staff member from completing a sensitive transaction alone. Role-based access means your loan officer cannot approve their own cases. And your members can see their own balances, loan schedules, and dividend accruals in real time — transparency as a feature, not an afterthought.
Immutable Audit Trail
Every event is permanently stored, never overwritten
Maker-Checker Controls
Dual authorisation on all sensitive operations
Member Transparency
Real-time balances and statements for every member
Connects to the Kenyan financial stack
Mobile Money
- M-Pesa
- Airtel Money
- T-Kash
Banking & Payments
- PesaLink/IPSL
- RTGS
- Kenswitch ATM
- VISA/Mastercard
Identity & Credit
- IPRS/Maisha
- TransUnion CRB
- Metropol
- Creditinfo
Payroll Systems
- DPSM
- TSC T-Pay
- Private Payroll API
Regulatory
- SASRA
- FRC Reporting
- CBK Data Formats
Frequently Asked Questions
Everything you need to know about Wazi
Ready to see Wazi in your institution?
Book a 30-minute demo with our team. We'll walk through your specific SACCO type, member count, and compliance requirements.