Chomoka
Platform ownership, product architecture, wallet experience, data intelligence, MSME workflow design, rider/trader operating model and revenue orchestration.
Partnership model
Scale through collaboration
Chomoka is designed to scale through partnerships - banks, insurers, associations, government, corporates and field networks plug into a shared operating system.
Consortium roles
Who does what in the ecosystem
Afrinet and ecosystem partners
Distribution acceleration, financial integration, partner activation, institutional credibility, transaction enablement and scale support.
Financial institutions
Wallet balances, escrow accounts, processing fees, account services, credit analytics and transaction histories.
Insurance and savings partners
Accident cover, last expense cover, pension, unit trusts and bundled social-protection products.
Associations and field networks
Rider mobilization, trust-building, compliance support, market education and grassroots adoption.
Government and regulators
Formalization, licensing, data protection, compliance pathways and public-value alignment.
Corporates and delivery clients
Demand generation through delivery, hailing, courier, logistics and service contracts.
Partnership principles
Built on transparency and shared value
Clear role definition and revenue-sharing arrangements.
Regulatory alignment for wallet, data, insurance and financial services activities.
Transparent governance across platform, partners and user associations.
Shared value creation for users, platform owners, financial partners and field networks.
Data security, responsible lending and user protection as non-negotiable operating standards.
On platform materials, the Chomoka logo leads. Partners appear in a consistent lower strip or co-branded lockup area.
Partner inquiry
Start a conversation
Tell us about your organization and how you'd like to collaborate with Chomoka.
Investment proposition
Scalable MSME infrastructure
Chomoka is a scalable MSME infrastructure platform with diversified recurring revenue, embedded finance, data intelligence and electric mobility use cases.
Use of funds
Where investment supports growth
Platform and data infrastructure
Product development, data twins, cybersecurity, cloud hosting, integrations and analytics.
National rollout
County onboarding, field teams, association activation, training and marketing.
Partnership integration
Financial institutions, insurers, savings partners, associations, corporates and government linkages.
Electric mobility pilots
Rider shades, electric motorbikes, charging/swapping services and hub commercialization.
Compliance and governance
Licenses, ODPC, communications authority pathways, legal structuring, partner agreements and operating controls.
Working capital
Operations, customer support, sales, technical team, management office and launch execution.
Investment highlights
Why Chomoka
- Large addressable market across transport MSMEs, traders, corporates, agriculture, health, delivery and government-linked users.
- Daily recurring activity model with platform fees, wallet flows, remittances and transaction processing.
- Diversified revenue architecture across platform, financial partner, insurance, association, mobility hub and enterprise revenue pools.
- Strong social impact through financial inclusion, social protection, asset finance and clean mobility.
- Data intelligence advantage through transaction histories, MSME data twins, risk scoring and policy insights.
- Scalable partnership model that allows banks, insurers, associations, corporates and government to participate in a shared operating infrastructure.
Due diligence
Key validation areas
We believe in transparent, responsible growth. These are the areas we actively validate with partners and investors.
- Confirm regulatory treatment of wallet operations, electronic commerce licensing, data protection, insurance distribution and financial partner revenue sharing.
- Stress-test daily access fee acceptance among riders and informal traders.
- Validate customer acquisition cost, activation, churn, dormant wallet rates and field operations cost.
- Review real operating costs for fraud management, customer service, KYC, cybersecurity, dispute resolution and partner settlements.
- Clarify partner exclusivity, revenue share, obligations, integration cost and governance rights.
Get started today
Request an investor briefing
Connect with our team to explore Chomoka's investment proposition and partnership opportunities.