Your cash is available when you need it
JiFaidi™️ makes your cash available when you need it — unlock funds backed by your SACCO savings with no new collateral, no paperwork, and money in your account in under a minute.
What is JiFaidi™️?
Think of JiFaidi™️ as instant access to your own cash. Instead of breaking your savings or waiting weeks for a loan, you unlock funds against what you already have. Your savings stay put, earning interest, while your cash is available when you need it.
Who qualifies?
You are a good fit for JiFaidi™️ if any of the below describes you:
- You are a member of a participating SACCO or cooperative.
- You have verified savings or shares on record.
- You have a valid national ID and an active mobile number.
- You are 18 years or older.
Not sure if your SACCO is on JiFaidi™️ yet? Sign up — we'll tell you right away and notify you the moment they join.
How it works
Three steps. No queues. No forms to print.
- 1
Sign up & verify
Create your account with your phone number and ID. We securely match you with your SACCO record.
- 2
Request an amount
Pick how much you need and the repayment window that works for you. You'll see the cost upfront — no surprises.
- 3
Get the funds
Once approved, funds land in your mobile money or bank account in under a minute. Repay automatically from your next payslip or savings cycle.
What does it cost?
You always see the total cost before you confirm. JiFaidi™️ charges a small, fixed service fee plus simple interest for the days you hold the funds — no hidden penalties, no early repayment charges. If you decide not to proceed after seeing the offer, you pay nothing.
Built for every savings-based institution
One engine, configurable for each partner — set your own cap, access fee and repayment duration.
SACCOs & cooperatives
Automate emergency loan disbursement, repayment tracking and portfolio management for your members.
Banks & telcos
Drive customer acquisition, retention and new fee income through instant savings-linked cash.
Chamas & CBOs
Digitise loan applications, disbursements, repayments and member loan records.
How the engine works
One engine, configurable for each partner — set your own cap, access fee and repayment duration.
- Eligible = Trust Score × Savings · Available = MIN(Eligible, Cap)
- Collateral hold = 150% of available cash
- Access fee — partner adjustable
- Repayment duration — partner adjustable
Demo: low access fee, repayment up to 90 days, small-ticket advances within agreed caps.
Quick answers
Is my money safe?+
Yes. JiFaidi™️ never moves your savings without your consent. We use bank-grade encryption and only share information with your registered SACCO.
Does this affect my SACCO standing?+
No. Using JiFaidi™️ is a normal short-term advance — it does not reduce your shares, and on-time repayments can actually build your standing for future products.
What if I can't repay on time?+
Tell us early. You can request a one-time extension inside the app. We'd rather work with you than penalize you.
How fast is 'instant'?+
In most cases, under 60 seconds from confirmation to money in your wallet.
Need cash now?
Drop your phone number or email and we'll get you set up to access your cash in minutes. No commitment until you confirm.