Built for SACCOs in Kenya & Africa

The AI-powered SACCO core banking platform.

Beyond core banking — SaccoCore 360™ combines credit intelligence, fraud protection, collateral verification, collections and SASRA-ready compliance in one premium executive platform.

18,742
Members managed (demo)
KES 3.24B
Deposits mobilised
99.98%
Uptime target
SASRA
Ready out of the box
Modules

Eight modules. One platform.

Every module is SACCO-first — designed for the way SACCOs actually operate, not retrofitted from a commercial bank system.

SaccoScore AI™

Deterministic 0–1000 credit scoring built on SACCO-specific rules. Every factor is transparent, auditable and regulator-friendly.

FraudShield™

Detect mule accounts, guarantor rings, SIM-swap loan requests and salami-slicing patterns in real time.

Collateral Vault™

Verify, price and track vehicle logbooks, land titles, fixed deposits and shares with LTV monitoring and duplicate detection.

Loan Origination

Guided wizard from application through SaccoScore AI, guarantors, collateral and maker-checker approval.

M-Pesa & Payments

Native Daraja integration — deposits, disbursements, standing orders and B2C in one reconciled ledger.

Collections

Prioritised recovery queues by DPD × balance, with promise-to-pay tracking and automated dunning.

Member 360°

Every savings, share, loan, guarantor and interaction on one page — with a live self-service portal.

Savings, Shares & Dividends

Product-native SACCO ledgers — no forced retrofitting of a commercial bank chart of accounts.

Compliance

SASRA-ready. Audit-ready. Board-ready.

Every action is logged, every rule is versioned and every report can be exported in the format regulators expect.

  • Capital adequacy & liquidity ratios computed live
  • IFRS 9 loan classification & provisioning
  • AML / CFT alerts routed to FraudShield
  • Maker-checker on every sensitive action
  • Full activity log with cryptographic hashes
  • One-click SASRA reports & board pack PDF
Pricing

Simple, SACCO-friendly pricing.

All plans include unlimited users, unlimited transactions and one-click SASRA reports.

Starter
$1,200 / mo
Single branch · up to 5,000 members
  • Core banking modules
  • M-Pesa integration
  • SaccoScore AI
  • Standard SASRA reports
  • Email support
Request demo
Most popular
Growth
$3,800 / mo
Up to 5 branches · up to 50,000 members
  • Everything in Starter
  • FraudShield™
  • Collateral Vault™
  • Guarantor Intelligence™
  • Priority support · 4h SLA
  • Onboarding included
Request demo
Enterprise
Custom
Unlimited branches · unlimited members
  • Everything in Growth
  • Dedicated CSM
  • On-prem or private cloud
  • Custom integrations
  • White-label option
  • 24/7 support · 1h SLA
Request demo
Ready to see it?

Book a 30-minute executive walkthrough.

Live product, real SACCO data, board-pack PDF you can walk out with.