ChamaSmart
The Future of Informal Finance

Automate Your Student Chama

Stop chasing M-Pesa references. ChamaSmart uses AI to automatically reconcile payments, track member goals, and grow your savings—all in real-time.

Instant Reconciliation

M-Pesa webhooks are processed by Gemini AI to match payments to members by phone, name, or nickname automatically.

Goal Prediction

AI analyzes your chama's contribution velocity to predict if you'll hit your target goal by the deadline.

Transparency First

Live dashboards show exactly who has contributed, eliminating disputes and manual spreadsheet management.

Modernizing Tradition with Intelligent Infrastructure

Informal savings groups (Chamas) are the backbone of community finance. We provide the digital trust layer needed to scale them safely.

Digital Trust

Eliminate financial disputes with an immutable AI-verified audit trail for every single contribution.

Actionable Insights

Go beyond tracking. Our AI predicts shortfalls before they happen, allowing your group to adjust early.

Scale Effortlessly

Empower treasurers to manage hundreds of members with the same ease as a small group of five.