…
One platform · every kind of group
Every group’s money,
made clear.
Wazi records every contribution automatically, gives every member a live statement, and ends the notebook-and-WhatsApp chaos — for chamas, burial funds, harambees, welfare, church and school groups alike. Bookkeeping is free.
10
Group categories at launch
3
Channels, one ledger
Free
Core bookkeeping, always
KES 150
Fee cap, however large
Works with the money rails your members already use:M-Pesa·Airtel Money·Bank paybill·WhatsApp
The problem
Why groups lose trust in their own books
A member pays, screenshots the confirmation, and pastes it into WhatsApp. A volunteer treasurer re-types every entry into a notebook. Every step leaks trust and accuracy.
Manual re-entry
A treasurer scrolls WhatsApp, reads each message and re-types amounts into a notebook.
→ Members under- or over-credited.
Records on one phone
The notebook or spreadsheet lives on one personal phone, never backed up.
→ A whole group history can vanish.
No member visibility
Members cannot see their own running balance.
→ “How much have I paid?” disputes.
No audit trail
No timestamped, tamper-evident record of who paid what, when.
→ Year-end reconciliation becomes a fight.
The solution
Three surfaces, one live ledger
A member app, a treasurer back-office and a WhatsApp capture channel — all sharing the same real-time data, so nobody is ever left out and nothing is entered twice.
📱
Member mobile app
Android & iOSContribute via M-Pesa or Airtel Money with the group code pre-filled. See your own real-time statement, the group position, and reminders before due dates.
🗂️
Treasurer back-office
WebOnboard the group, import historical records, manage members, watch every contribution land in one reconciled ledger, and export audited statements.
💬
WhatsApp capture
No app neededA member forwards their M-Pesa confirmation to the Wazi number. The assistant reads it, verifies it against M-Pesa, and posts the contribution.
How a contribution works
Deposit first. Fee second. Always.
Your contribution goes straight to your group’s own bank paybill — Wazi never holds it. A small, transparent fee follows. Your money is never at risk.
1
Pick your category & get a group code
Sign up, choose from ten categories, and receive a unique code like WZ-NRB-4471 that anchors every contribution.
2
Members contribute — three ways
Through the app, directly on M-Pesa/Airtel, or by forwarding a confirmation to WhatsApp. All land in one ledger.
3
Deposit first, fee second
Leg 1 sends the contribution straight to the group’s own bank paybill. Leg 2 collects the small Wazi fee. The deposit is never at risk.
4
Every member sees a live statement
Real-time per-member statements and group position, exportable to PDF and Excel. No more notebook, no more suspicion.
Inclusion engine
The member with no smartphone is never left out
They pay the group as they always have, then forward the M-Pesa confirmation to the Wazi WhatsApp number. The assistant reads it, verifies it against M-Pesa’s own records, and posts the contribution — with an instant acknowledgement.
- ✓Reads the amount, reference, date and payer automatically
- ✓Cross-matched against the real M-Pesa C2B feed — a faked message can never be credited
- ✓Consume-once + payer-number checks stop replay and impersonation
W
Wazi
online
Confirmed. KES 1,000.00 sent to MWEMA CHAMA. Ref TGH4XK9P2Q.
Got it ✅ I matched KES 1,000 from 0712••••89, ref TGH4XK9P2Q, to Mwema Chama.
Add this record? Tap to confirm 👇
✓ Add this record
Done! Your statement is updated. Small Wazi fee: KES 15 — pay here 👇
Who it’s for
Not a chama app. A platform for every group.
One engine, ten categories — all available the day you sign up. Pick yours and Wazi sets sensible defaults; adjust the features any time.
👥
PopularChama / Investment group
Recurring contributions on a fixed schedule.
Savings, statements, often loans & shares
🤝
Group contributions
Everyday recurring collection, simplest setup.
Contributions, statements
🕊️
PopularBurial / Bereavement fund
Urgent one-off collection toward a target, with a deadline.
One-off collection, live progress total
🎯
Harambee / Community fundraiser
Time-boxed collection for a cause.
One-off collection, progress tracking
🌍
Public fundraiser
Public campaign, shareable page, open to anyone.
Public campaign page, open donations
🏞️
Ground / Land-buying fund
Long-running contributions toward a large target.
Long-term contributions, pledge tracking
💚
Welfare / Benevolent group
Recurring contributions plus claims paid out.
Savings plus welfare claims
⛪
Church / Building fund
Recurring or campaign congregation collections.
Contributions or campaign, statements
🎓
School / PTA / Class fund
Parent or class collections, often per term.
Recurring contributions, statements
🏘️
Estate / Neighbourhood group
Residents’ or sub-group collections.
Recurring contributions, statements
Where Wazi wins
Honest about the market — and our edge
Chama tools exist. Few combine free books, every group type, offline inclusion and one reconciled ledger.
| Typical competitor | Wazi | |
|---|---|---|
| Group types served | Chamas only | ✓ Chamas, burial, harambee, welfare, land — one engine |
| Cost to the group | Monthly / annual subscription | ✓ Free core bookkeeping |
| How it earns | Subscription | ✓ Tiny per-contribution tariff + optional modules |
| Offline members | Excluded (app / web only) | ✓ Included via WhatsApp capture |
| Manual entry | Often still required | ✓ Automatic on every channel |
| Channels | One | ✓ App + back-office + WhatsApp, one ledger |
Painless, tiered pricing
Free books. A fee small enough not to notice.
Groups never pay to keep their books. Wazi earns a small tariff fee on each contribution — modelled on M-Pesa, free below KES 100, capped at KES 150.
- ✓Group registration & unique group code
- ✓Member enrolment — self-enrol or treasurer-created
- ✓Contribution collection across all three channels
- ✓Real-time per-member statements & group position
- ✓Historical record import & contribution reminders
- ✓PDF & Excel statement export
Tariff calculator
See the exact fee before you confirm
Contribution to your groupKES 1,000
Wazi feeKES 15
Total you payKES 1,015
Band 501 – 1,000 · the deposit goes to your group first, the fee second. The fee is capped at KES 150 however large the contribution.
View the full 14-band tariff
| Contribution band (KES) | Wazi fee |
|---|---|
| 1 – 100 | Free |
| 101 – 500 | KES 10 |
| 501 – 1,000 | KES 15 |
| 1,001 – 1,500 | KES 25 |
| 1,501 – 2,500 | KES 35 |
| 2,501 – 3,500 | KES 55 |
| 3,501 – 5,000 | KES 60 |
| 5,001 – 7,500 | KES 80 |
| 7,501 – 10,000 | KES 90 |
| 10,001 – 15,000 | KES 100 |
| 15,001 – 20,000 | KES 105 |
| 20,001 – 35,000 | KES 110 |
| 35,001 – 50,000 | KES 120 |
| 50,001 – 250,000 | KES 150 |
Trust by design
A confirmed deposit is never hidden
Every contribution sits in one of three honest states. Wazi withholds the credit until the fee is paid — but never erases the truth that a real deposit landed.
Confirmed
Deposit landed and fee paid.
Shows fully on the statement; counts toward totals and loan eligibility.
Pending fee
Deposit landed (proven by the bank callback) but fee not yet paid.
Visible as “pending — service fee not yet paid”; not counted in the official total.
Not recorded
No deposit ever actually landed.
Nothing is recorded.
Grow when you’re ready
Optional modules, small annual prices
Switch them on from the back-office whenever the group needs them.
Loans
KES 3,000 – 6,000 / yrApplications, guarantor tracking, approval workflow, repayment schedules, interest, arrears reports.
Shares & Dividends
KES 3,000 – 6,000 / yrShare capital tracking, share value, dividend computation and distribution.
Investments
KES 2,000 – 4,000 / yrTrack group assets and projects from purchase to maturity, with valuations.
Meetings & Welfare
KES 1,500 – 3,000 / yrMeeting minutes, attendance, welfare and benevolent fund claims.
Advanced Reports
KES 2,000 – 4,000 / yrCustom statements, auditor pack, compliance exports.
In their words
What changes when the books are open
“
The “how much have I paid?” arguments just stopped. Everyone sees their own statement now.
G
Grace W.
Treasurer, Nairobi chama
“
We collected a burial fund in two days and every shilling was accounted for. No notebook, no doubts.
P
Peter O.
Burial committee, Kisumu
“
Half our members don’t use apps. WhatsApp capture meant nobody was left out.
A
Amina H.
Welfare group, Mombasa
Illustrative pilot-era accounts; identities anonymised.
What does it cost a group to keep its books?
Nothing. Core bookkeeping is free for every group, in every category. Wazi earns a small, transparent tariff fee on each contribution instead of charging a subscription.
Where does our money go?
Straight to your group’s own bank paybill. Wazi never holds your contributions — it only ever collects its own small fee into a separate paybill. That is why no payment licence is needed and your money is never at risk.
What if a member has no smartphone?
They use the WhatsApp channel. They pay the group as they always have, then forward the M-Pesa confirmation to the Wazi number. The assistant verifies it against M-Pesa and posts the contribution.
Can a faked WhatsApp message be credited?
No. Every WhatsApp capture is cross-matched against the real M-Pesa C2B feed by unique reference and amount, consumed once, with a payer-number check. A message that does not match a real transaction is never confirmed.
Can we move our existing records in?
Yes. The treasurer back-office imports your full contribution history from a spreadsheet, so you start with your complete books, not a blank slate.
How is the fee charged?
It is a tiered tariff modelled on M-Pesa — free below KES 100, scaling gently to a KES 150 cap. It is added on top of the contribution and shown before you confirm. Nothing is hidden or skimmed.
Bring your group’s books into the open
Sign up in minutes, get your group code, and start your first transparent contribution cycle. Core bookkeeping is free, forever.