Table banking

Run your group’s table banking on KATYO

For chamas, self help groups, women and youth groups, VSLAs and cooperatives. Your money stays in your group’s own account. KATYO keeps the records clear.

Savings and shares

Every contribution recorded against the right member, with receipts and running balances.

Fair loans

Loan rules your group sets, a clear schedule, guarantors who accept on their phone, and two officials to approve.

M-Pesa payments

Members pay from their phones. Each payment goes to fines, loans, dues then savings, in the order your group chooses.

Meetings and attendance

Agenda, attendance and minutes in one place.

Reminders by SMS

Members get a reminder before payments are due, and a receipt when they pay.

Reports in one tap

Member statements, loan portfolio, defaulters and group summaries.

Member cards

Every member gets a digital KATYO card with a QR code for check in.

Safe records

Double entry books that cannot be edited quietly. Every change leaves a trail.

Getting started

1
Create your account
The chairperson or secretary signs up with their phone number.
2
Register the group
Add your registration details, meeting days and officials. KATYO checks and approves.
3
Set your rules
Contribution amounts, loan interest, fines and welfare. Change them any time with approval.
4
Invite members
Share your group invite code. Members join and start paying from their phones.

Your money stays yours

Each group collects into its own paybill, till or bank account. KATYO does not hold group money.

Two people for every payout

The person who asks can never approve. Cash needs a second official to confirm.

Never share your PIN

KATYO never asks for your M-Pesa PIN. Enter it only on your phone’s M-Pesa prompt.