Pilot now onboarding in Nairobi

Turning daily income
into wealth.

15 million Kenyans work in the informal sector. Most are women. MamaPesa is an AI coach that meets them on WhatsApp, tracks the shilling-by-shilling reality of their day, and turns it into consistent savings.

Sign up on WhatsApp — no app, no forms
Text us "hi" and we'll set you up in two questions.

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The reality

A market the formal financial system pretends doesn't exist.

Income is inconsistent and unpredictable. Cash flows through hands all day with no record. Banks ask for payslips that don't exist. Apps assume a monthly salary and a smartphone with enough storage for a third-party calendar.

The result: hard-working women save in coin tins, in chamas, in their head — and rarely break out of the day-to-day cycle.

15M+
Kenyans in informal work
70%
Are women
0%
Use formal savings products
1
WhatsApp coach can fix that
How it works

Three habits, one WhatsApp thread.

01

Daily check-in

A simple WhatsApp message at end of day. 'How much came in? How much went out?' That's it.

02

A goal worth saving for

School fees, a bigger stall, a sewing machine. The coach helps name the goal and break it down.

03

Wealth, visibly built

Every shilling saved is celebrated. Progress charts. Streaks. Real wealth, not lectures.

Be early to MamaPesa.

Join the waitlist as a participant, facilitator, or partner. We're onboarding the next cohort soon.