eChama brings merry-go-rounds, welfare groups, investment clubs and family savings groups online — with M-Pesa, loans, reports and more in one place.
Hello, Jane 👋
My Chamas
Queens Group
Merry-go-round · 12 members
This month
KES 24,000
Your turn
Round 3 ✓
Familia Wangosho
Family savings · 8 members
Pool balance
KES 180,000
Active loans
2 pending
Create a new group
Invite members in seconds
M-Pesa received
KES 2,000 · Jane W.
Report ready
Q2 2026 statement
Who it's for
Whether you meet weekly under a tree or coordinate across the diaspora, eChama has the right tools for your group.
Members contribute a fixed amount each cycle and take turns receiving the full pot. Track every round, every member.
Pool funds to support members during hardship — funerals, illness, weddings. Manage claims and disbursements easily.
Keep family finances organised. Save together for school fees, land or a family event with full visibility for everyone.
Pool capital and invest in NSE equities, crypto or real estate. Track prices, share performance and issue dividends.
Members borrow from the shared pool at agreed interest rates. Loan tracking, guarantors and repayments — all managed.
Any other group
eChama works for any group that pools money together
Features
One platform replaces spreadsheets, WhatsApp bookkeeping and manual bank reconciliation.
Track every member's payments. See who has paid, who hasn't, and send automatic SMS reminders.
Members apply for loans from the pool. Leaders approve, set interest and track repayments to the last shilling.
Auto-generated statements, member standings and KRA-ready tax documents — no accountant needed.
Members submit welfare claims, leaders review and disburse. Full audit trail for every decision.
Schedule meetings, send invites and take attendance. Minutes stored securely in the cloud.
Members pay via STK Push — they confirm on their phone. Instantly reconciled in your dashboard.
Diaspora members pay via Stripe card or Binance Pay crypto. KES equivalent auto-calculated.
Check balances and contribute via USSD — works on any phone, even without internet.
Automatic reminders for unpaid contributions, upcoming meetings and loan repayments due.
Store the group constitution, agreements and receipts. Accessible to all members anytime.
Apply penalties for late payments or missed meetings automatically. Leaders can waive with reason.
Monitor NSE stocks and crypto in real time. Record dividends and track your portfolio value.
How it works
No training needed. If you can use WhatsApp, you can use eChama.
Choose your group type, set the name, contribution amount and schedule. Takes less than 2 minutes.
Pick from merry-go-round, welfare, investment club, family or table banking. Customise the rules to match how your group already works.
Share an invite link or code. Members join, set up their profile and the group is ready.
No app download required. Members access eChama from any browser on any phone. Feature phone users can use USSD.
Record contributions, run M-Pesa collections, approve loans and schedule meetings — all from one place.
eChama sends automatic SMS reminders so you never have to chase members for payments again.
Payments
From M-Pesa in Nairobi to Binance Pay in the diaspora — eChama accepts contributions from everywhere, automatically reconciled in Kenyan Shillings.
Get started freeSTK Push & Paybill
Most popular in KenyaStripe checkout
For diaspora membersUSDT, BTC, ETH & more
Crypto contributors*XXX# on any phone
No smartphone neededFree to start — no credit card, no setup fees. Your group could be running on eChama in under 5 minutes.
Create your group freeNo credit card required · Works on any phone · Cancel anytime