Products, not projects
Our platforms are already built and running. Whitelabel and launch in weeks, instead of funding a risky multi-year in-house build.
Software for banks & SACCOs
The digital backbone for savings and lending.
Chivua builds secure, bank-grade platforms that help banks, SACCOs and savings groups mobilise deposits, serve members, and own their digital rails. You get there without the multi-year build.
Bank-grade controls
Maker-checker everywhere
Live in weeks, not years
ApprovedMaker · Checker
ALPHAGLS · MEMBER
Total savings
248,500 KES
+5,000
80,000
↓
SettledM-Pesa · Bank · RTGS
Built for
BanksSACCOsSavings groupsMicrofinanceCo-operatives
What we do
A software company for the people who move money.
We build the member-facing apps, operator consoles and payment rails that financial institutions need. Everything is engineered to bank standards, so you can put your name on it with confidence.
Bank-grade by default
Maker-checker approvals, PIN-secured actions, tenant isolation and a full double-entry audit trail. This is the trust layer a regulated institution requires.
Rails that just work
Mobile money, bank transfers and instant transfers, including M-Pesa, Orange Money, EFT, RTGS and PesaLink, all integrate with a settlement-account registry and GL mirror under your control.
◆ FLAGSHIP PRODUCT · AlphaGLS
See it live
An end-to-end savings and lending super-app.
A complete, proven platform for SACCOs and savings groups. It brings together member and treasurer portals, a native mobile app, an operations console, live payment rails and a double-entry ledger, all ready to whitelabel under your brand.
Member portal & mobile app
Members check balances, contribute, request loans and download statements on the web and in a native iOS and Android app with biometric lock and push notifications.
Treasurer & group tools
Maker-checker approvals, PIN-secured money movements, member management and reconciliations ensure no single person can move funds alone.
Admin & operations console
Role-based dashboards, an approvals inbox, reporting, feature flags, and health and alerts give your operations team everything it needs to run the platform.
Payment rails engine
Mobile money, bank transfers and instant transfers (EFT, RTGS and PesaLink) with a settlement-account registry, collections and payouts, maker-checker controlled from end to end.
Ledger & controls
A double-entry ledger with outbox and saga integrity, a full audit trail and a GL mirror for settlement. It is accounting your auditors will recognise.
Notifications
Runtime-switchable email and SMS delivery for OTPs, receipts and reminders. Swap providers without redeploying.
Who it's for
One platform. A win for every side.
Whether you're a bank mobilising deposits or a SACCO serving members, Chivua gives you a modern, branded financial experience without the build risk.
Become the digital backbone of every group you serve.
Offer a branded savings and lending platform the members use every day, and the deposits, data and loyalty follow.
- Low-cost, sticky deposit mobilisation
- Daily engagement and cross-sell to members
- Fee and rail income on every transaction
- Consented cashflow data for credit scoring
A modern member app, with no build cost.
Replace spreadsheets, WhatsApp and cash books with automated, auditable, fraud-resistant rails your members trust.
- Branded member app, ready in weeks
- Automated books and reconciliations
- Maker-checker fraud controls
- Faster loans, transparent records
Security, controls & compliance
The trust layer a bank needs to put its name on it.
Every design decision assumes regulated money. These controls are built in, not bolted on.
Maker-checker everywhere
Every money movement needs a second approver. No single person can move funds.
PIN-secured actions
Treasurer and sensitive actions gated by a transaction PIN, verified server-side.
Full audit trail
Double-entry ledger, outbox/saga integrity and immutable logs for every event.
Tenant isolation
Each institution's data is segregated, with role-based access down to each menu item.
Custody-aware design
Clear settlement-account and GL-mirror model, with support for split-custody.
Trust beyond regulation
Bank-grade controls give members protection even where the sector is lightly regulated, and they are ready for coming reforms.
How it fits together
Your brand on top. A proven engine underneath.
Cloud-hosted and operated by Chivua, integrating to your core via secure APIs, with no heavy internal build required.
01 · Experience layer
Branded apps & consoles
Member app (iOS / Android)Member web portalTreasurer toolsAdmin & ops consoleUSSD*
02 · Chivua platform
AlphaGLS core
Accounts & ledgerSavings & loans engineMaker-checker workflowNotificationsReporting & audit
03 · Rails & core
Settlement & payments
Settlement accountsM-PesaMobile moneyEFT / RTGSInstant transfer (PesaLink)GL mirror to core banking
90-day
From kickoff to a live, branded pilot
100%
Money movements under maker-checker
4+
Rails: mobile money, bank, RTGS, instant transfer
24/7
Self-service for members, on any phone
Ready to own your digital rails?
Let's walk through AlphaGLS with your team and map a low-risk pilot. Tell us about your institution and we'll be in touch within one business day.
Get in touch
Let's talk.
Tell us what you're building. We'll show you how Chivua can get you there faster.
Emailadmin@chivua.com
Phone+254 717 561595 · +254 725 007881
Office
Nairobi, Kenya