Client & Platform Ecosystem
Zeni (zeni.co.ke / app.zeni.co.ke) — Digital Group Savings, Investment Club & Chama Management Operating System for Africa.
How Nyota Imara built a full-stack digital platform for Chamas, SACCOs, and investment clubs featuring AI loan risk analysis, real-time Chat, M-Pesa STK payments, and B2B bank payouts.
Zeni (zeni.co.ke / app.zeni.co.ke) — Digital Group Savings, Investment Club & Chama Management Operating System for Africa.
Next.js 15, React 19, Supabase SSR Auth & Storage, Stream Chat React SDK, PayHero M-Pesa Gateway, Google Gemini AI API.
Supports 5 distinct group financial models: Merry-Go-Round, Accumulating, Table-Banking, Welfare, and Individual Savings.
Evaluates loan requests in real time, calculating risk levels (LOW/MED/HIGH), approval odds, and recommended borrowing limits.
Instant M-Pesa STK deposits paired with automated B2B withdrawals to 10 major Kenyan commercial banks.
Multi-signature proposal and voting engine for constitutional edits, financial rule updates, and loan approvals.
Real-time group chat integrated directly into the dashboard with theme-synced light/dark styling.
AI-curated news engine providing customized financial advice ("Why this matters to you") for members based on active loans and contribution habits.
Multi-document photo capture interface uploading encrypted ID and selfie payloads directly to Supabase Storage.
Non-bank financial architecture routing funds via licensed payment service providers in strict alignment with ODPC data privacy guidelines.
Next.js 15 Server Components deliver sub-second data fetching across group balances and history.
Google Gemini API processes group liquidity and contribution history to return instant loan assessments.
Complete digital audit trail for all contributions, arrears, surpluses, and group payouts.
Partner with Nyota Imara Technologies to engineer scalable web applications, mobile apps, and secure financial infrastructure.