Get started

Complete these steps to become a full SACCO member. Each unlocks the next; you can pause and resume any time.

Phone verified

Identity layer complete · OTP confirmed at sign-up

Settle setup fee — KES 500

One-off or installment (Daily / Weekly / Monthly / Flexi) · M-Pesa STK push

Settle setup fee

Capture legal name

Bundled with the Setup Fee step. M-Pesa sender name is matched to confirm Financial Identity

Submit KYC document

National ID, Passport, or Driving License

KYC verified

Operator review · typically within 24h

These steps build the three identity layers that unlock the full portal:

Identity (phone + OTP)

Step 1 · proves you own the phone number

Financial Identity (legal name + M-Pesa)

Steps 2–3 · ties your contributions to a real M-Pesa payer

Regulatory Identity (KYC document)

Steps 4–5 · unlocks borrow + dividend eligibility