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Invite-only social trust lending

Borrow and lend
inside trusted circles

KAMWI PAY connects lenders and borrowers through invitation chains, adaptive trust scoring, and a verifiable record for every critical movement of money and risk.

Enter Invite CodeHow It Works
Visible chains
Every invite sits inside a traceable trust path.
Live repricing
Scores and limits respond as repayment behavior changes.
Invite-only onboardingM-Pesa deposits, bank withdrawalsAuditable trust events

Trust-first micro-lending

Every invite extends a lending graph the network can actually read.

Every repayment and default feeds back into trust. The goal is not generic "fintech scoring"; it is a lending surface where who invited whom, who funded whom, and who repaid on time all remain visible.

Trust horizon

3 hops

Ledger checkpoints

Real-time

Scoring

Multi-signal trust scoring

Rates respond to repayment quality, invitation discipline, and visible network health.

Integrity

Tamper-proof transaction record

Critical trust events leave an auditable trail that lenders and operators can verify.

Invite chains stay visible
Pricing reacts to behavior
Trust events leave evidence

Why the network model matters

Smarter visibility

Lenders only see borrowers inside their trusted 3-hop network, not an anonymous marketplace.

Shared accountability

Defaults can propagate reputational cost up the invitation chain, rewarding careful invitations.

Transparent pricing

Your rate reflects repayment behavior, network strength, and how consistently you earn trust.

Licensing and assurance

Official references and certifications

Official licence details, compliance references, and third-party assurance marks appear here when available.

Contact support

CBK Licence

Central Bank of Kenya licence information and reference details will be published here.

Data Protection Certification

Data protection registration and compliance reference details will be published here.

Independent Assurance

Independent security or operational assurance references will be published here.