Get started
Complete these steps to become a full SACCO member. Each unlocks the next; you can pause and resume any time.
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Why each step matters
These steps build the three identity layers that unlock the full portal:
Identity (phone + OTP)
Proves you own the phone number
Financial Identity (legal name + M-Pesa)
Ties your contributions to a real M-Pesa payer
Regulatory Identity (KYC)
Unlocks borrow + dividend eligibility