ZEDEK,

Master Your Money,
The Right Way.

The all-in-one platform for personal savings, communal goals, peer-to-peer lending, group management, and financial transparency. Built for how you save.

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The Complete Financial Ecosystem

Six integrated products. One account. Total control over your personal and communal finance.

Goals

Express Personal Group

Structured savings plans that earn 10–15% interest. Choose Fixed (lock for higher returns) or Regular (daily/weekly/monthly) contributions. Create goals alone or with your Chama.

Group Goal: Chama Plot Fund 84%

KSh 420,000 / 500,000 · Interest accruing daily

Wallet

The financial hub that powers everything. Deposit via M-Pesa Paybill/Till, withdraw instantly, or send money to any member. Your gateway to Goals, Kopeshana, and Chamas.

M-Pesa Deposit
Instant
Available Balance: KSh 12,450

Kopeshana P2P

Guarantor-Backed

Borrow and lend within your community. Zedek is the trust layer — we don't lend directly. Loans are secured by personal guarantors who reserve a portion of their wallet. No bank queues, no collateral.

3 Guarantors Added
12% p.a.

Chama Bookkeeping

The complete operating system for your Chama. Track contributions, issue loans, assign fines, log expenses, and generate reports. Includes WhatsApp bot — record payments without the app.

MemberContributionStatus
Wanjiku M.KSh 5,000✓ Paid
Otieno K.KSh 5,000Pending
Auma S.KSh 5,000Pending

Expense Tracker

Spaces Projects

Upload M-Pesa statements for auto-categorization. Track personal budgets, shared Spaces (family, roommates), or long-term Projects like construction. Get smart overspend alerts.

M-Pesa Statement
Auto-categorized

Merry-Go-Round

Public Private

Digitize your rotating savings cycles. Pooled funds earn interest while they wait — so every payout is slightly boosted. Join public rounds or create invite-only groups for your Chama.

Next Payout
David Otieno
KSh 50,000
+2.3% interest

See Your Goals Grow

Drag the slider to see how much you could earn with Zedek Goals over 12 months.

Monthly Savings KSh 5,000
KSh 1,000 KSh 100,000
Total Interest (12 months)
KSh 7,500

Based on 12.5% average annual yield

Total Balance
KSh 67,500

In 12 months you'd earn an extra KSh 7,500 on top of your savings!

Set Your Goal Now
Simple Process

How It Works

1

Join Zedek

Create your account and link your M-Pesa in under 60 seconds.

2

Save & Grow

Use Goals to save with interest and track every single shilling.

3

Access Credit

Borrow through our trust-based Kopeshana P2P system with guarantors.

4

Manage Everything

Digitize group records with automated Bookkeeping and reporting.

Common Questions

Frequently Asked Questions

Funding is straightforward through our direct M-Pesa integration. Simply use the 'Deposit' button in your Wallet to trigger an M-Pesa STK push or use our official Paybill number. Funds reflect instantly.
Fixed goals lock your funds until a set maturity date for higher discipline and returns. Regular goals allow you to contribute periodically (daily, weekly, or monthly) with full flexibility to adjust your contributions.
Borrowers must provide personal guarantors from within their social network. When a guarantor accepts, a portion of their wallet balance is reserved as backup security. Funds are only accessed if the borrower defaults.
Absolutely! Our digital Bookkeeping system includes a powerful WhatsApp bot. Record transactions, check balances, and receive contribution reminders directly through WhatsApp — no heavy app usage required.
When members contribute to a Merry-Go-Round round, the pooled funds don't sit idle — they're temporarily invested to earn interest before each payout cycle. This means the member who receives the payout gets slightly more than what was contributed.