Save, borrow and grow together.
Without the worry.
Mizani keeps your group's money clear on every member's phone — savings, loans, shares and the welfare pot. And now it reaches your group right where they already chat: WhatsApp.
Example WhatsApp messages from Mizani Wallet: a friendly hello when you join a group, a reminder when your savings are due, and a note when your loan is approved.
What can your group do?
Whatever kind of group you save in, Mizani grows with you. Tap any one to see more.
Run a weekly savings group
The merry-go-round, kept straight. Everyone saves in turn, and at the end you share out fairly — with no arguing over who put in what.
See how it works →Lend to each other, fairly
Members borrow against their own savings, or a friend stands in for them. Mizani quietly holds that friend's savings as cover until it's paid back — so helping out never burns anyone.
See everything it does →Look after each other when life is hard
A shared pot for a bereavement, an illness or an emergency. Everyone can see what's in it, and it only ever pays out in the open.
See everything it does →Grow into a real SACCO
When you're ready, become a registered cooperative — shares, dividends and a proper year-end — on the same record, with the same people and history.
For SACCOs →Invest back home, from abroad
Family in London, Boston or Toronto pooling into a plot or a small business back home — everyone sees what they put in and what they're owed back.
For the diaspora →Nothing goes missing
Once a shilling is written down, it stays. No one can quietly change it later.
Two people, always
Money only moves when two people in the group agree — out in the open, never behind closed doors.
The numbers always match
Mizani checks the record against your real mobile-money balance, so what's written is what's really there.
Your group lives on WhatsApp
No new app to learn, no logging in. Mizani meets every member in the place they already check all day.
A friendly hello
When someone joins the group, Mizani says hi on WhatsApp and shows them they're in.
A gentle reminder
When it's your turn to save, a loan payment is due, or a meeting is coming — you'll know, right there in WhatsApp.
Always your choice
Don't want the messages? Just say so, and they stop.
Just starting to roll out — for now, we nudge by text message.
Wherever your group is
Some people love a tidy app on their phone — savings, loans and shares in their pocket, online or off. Others just want a message. With Mizani you get both: the app and WhatsApp, so no one is left out.
The Mizani app
Everything in one place, on your phone — even when there's no network. It catches up when you're back online.
No new app to learn. A friendly hello and gentle reminders, right where your group already chats.
No more wondering if the numbers add up
Mizani lines the record up with your real mobile-money balance, two people agree before money moves, and everyone in the group can see it. Like counting the box in front of everyone — every day, not just on share-out day.
It grows up with your group
Mizani starts as the honest record your group keeps today — then grows with you: a welfare pot that looks after people when life is hard, a registered SACCO with shares and dividends, and an investment club for family abroad. One place, growing as your group grows.