Unstructured daily income that is difficult to save, insure or invest.
The Chomoka platform
Transform daily income into structured growth
Chomoka provides one integrated platform through which users can work, earn, transact, save, insure, borrow, invest and grow - with daily utility at the center.
The problem
Highly productive, but fragmented
Kenya's informal economy and MSME base generate daily income, but much of it does not become credit history, savings, insurance coverage or enterprise growth.
Limited access to affordable credit due to weak transaction histories and informal earnings records.
Low insurance, pension and social-protection participation among mobility workers and informal MSMEs.
Fragmented rider stages, unregulated operating environments and insufficient mobility infrastructure.
Rising cost pressures from fuel, asset ownership, repairs and emergency expenses.
Weak linkages between riders, traders, corporates, government institutions, health services, agriculture value chains and logistics clients.
Limited data visibility for financial institutions, insurers, policy makers and ecosystem partners.
Work Access
Hailing, delivery, jobs board, errands, logistics, corporate mobility and institutional service opportunities.
Digital Wallet
A secure wallet for daily income, remittances, product payments, transactions and partner-linked accounts.
Automated Remittance
Daily allocation into insurance, SHA cover, pension, SACCO, savings, emergency lock and transaction fees.
Embedded Finance
Credit, asset financing, wallet balances, escrow accounts, transaction processing and financial partner services.
Insurance & Protection
Accident cover, last expense, health-related cover, pensions and long-term savings products.
Mobility Infrastructure
Rider shades, electric mobility hubs, charging/swapping, asset leasing, advertising and retail kiosks.
Data & Intelligence
Transaction histories, MSME data twins, risk scoring, fraud visibility, demand mapping and policy intelligence.
Daily remittance
Small daily allocations, structured benefits
A user can remit small amounts daily into structured benefits such as health cover, accident cover, last expense, pension, SACCO, emergency savings and transaction fees, while retaining daily take-home income.
Example confirmation
“KES 400 allocated today: protection, savings, SACCO and fees.”
Users always know what is being deducted, saved, paid or insured — and why.
Operating model
Ecosystem architecture
Work generates income, income generates transaction data, data enables finance and protection, and partners deliver services at scale.
Layer 1
User Layer
Riders, tuk-tuk operators, taxi drivers, traders, MSMEs and gig workers
Expected outcome
Daily active usage, income tracking and formalization
Layer 2
Work Layer
Hailing, delivery, logistics, errands, corporate work and institutional service flows
Expected outcome
Access to jobs and income opportunities
Layer 3
Wallet Layer
Payments, remittances, escrow, balances and transaction processing
Expected outcome
Structured cash-flow management
Layer 4
Protection Layer
SHA, accident cover, last expense, pension, SACCO and emergency savings
Expected outcome
Income resilience and social protection
Layer 5
Partner Layer
Banks, insurers, fund managers, associations, government and corporates
Expected outcome
Scalable service distribution and revenue sharing
Layer 6
Data Layer
User activity, transactions, risk scoring, demand and fraud signals
Expected outcome
Credit visibility, compliance, analytics and policy intelligence
Who we serve
Target users and stakeholders
Riders and mobility workers
Need: Daily work access, secure income management and welfare protection
Response: Jobs, wallet, remittance, insurance, savings, pension, SACCO and asset finance
Traders and MSMEs
Need: Payments, working capital, records and growth tools
Response: Wallet, transactions, business services, savings, credit and data insights
Corporates and delivery clients
Need: Reliable last-mile mobility and logistics execution
Response: Rider network, hailing, delivery services and transaction settlement
Government and institutions
Need: Formalization, compliance, service delivery and data visibility
Response: Organized onboarding, regulated payments, policy intelligence and structured reporting
Financial and insurance partners
Need: Scalable distribution, deposits, premiums and risk data
Response: Wallet balances, escrow flows, remittances, commissions and transaction histories
Electric mobility hubs
Physical infrastructure for clean transport
Chomoka Electric Mobility Hubs formalize rider operations, support clean transport and generate leasing and commercial income.
Modern Mobility Shades
Branded prefabricated structures with kiosk, advertising panels and charging infrastructure.
Electric Motorbikes
Commercial-grade electric motorbikes with swappable batteries.
Licenses and Fees
Local and national permissions for hub operations.
Sales and Marketing
Pilot market launch and partner activation.
Technology
Data intelligence advantage
At scale, Chomoka creates regulator-grade visibility into the MSME economy through transaction histories and MSME data twins.
Mobile-first platform for rider and MSME onboarding.
Digital wallet and automated daily remittance engine.
Partner APIs for finance, insurance, pension, savings and institutional services.
Data analytics for user activity, transaction history, creditworthiness and risk scoring.
Fraud detection and compliance monitoring across users, transactions and partner workflows.
Electric mobility integration for charging, swapping, asset leasing and fleet visibility.
Cloud hosting, SSL security, app-store distribution and operational support tools.
Products
Product and service portfolio
- Mobile application and user onboarding for riders, traders and MSMEs.
- Jobs board, hailing services, delivery work and corporate mobility services.
- Digital wallet, payments, remittance and transaction processing.
- Daily access model and mobile app usage fees.
- Insurance products including accident cover and last expense cover.
- Pension, savings, SACCO and emergency-lock savings products.
- Asset financing for electric motorbikes, electronics and equipment.
- Electric mobility hubs, rider shades, charging/swapping and leasing services.
- Advertising, branding, kiosk rental and partner services at rider shades.
- Data insights, risk analytics, credit histories and MSME economic intelligence.
Revenue model
Diversified revenue pools
Chomoka aligns monetization with daily user activity across platform, financial, insurance, association, mobility and enterprise channels.
| Revenue pool | How it is generated |
|---|---|
| Platform Revenue | Account creation, daily access fees, subscription fees, app usage fees, advertising and system-use fees. |
| Financial Partner Revenue | Wallet balances, lazy balances, escrow accounts, processing fees, account services and credit analytics. |
| Insurance and Savings Revenue | Accident cover, last expense, pensions, unit trusts, savings and product distribution commissions. |
| Association Value Sharing | SACCO and association fees, contribution flows, rider mobilization and surplus-sharing structures. |
| Mobility Hub Revenue | Motorbike leasing, charging/swapping, shade commercialization, kiosk rental and advertising. |
| Enterprise and Institutional Revenue | Corporate delivery, government service logistics, agriculture, health, courier and partner integrations. |
Get started today
Ready to build with Chomoka?
Partner with us, join the pilot or request an investor briefing to explore how Chomoka can support your goals.