Ownership that pays
You are a shareholder. Interest on deposits accrues daily; the dividend is declared by the members at the AGM.
verifiable: /own › Members · dividend paidOwn your money.
Pepea is a savings and credit cooperative you own. You can see inside it every day — deposits, loans, treasury and board votes — on this page, before you even join.
A cooperative you own — and can see inside every day, before you join.
Figures from the ledger
Offline — showing figures from 15 Oct 06:00 EAT
MembersMembers: 0as of 15 Oct 06:00 EAT
Member depositsMember deposits: zero shillingsas of 15 Oct 06:00 EAT
Dividend + interest paid 2026Dividend + interest paid 2026: zero shillingsas of 15 Oct 06:00 EAT
as-of · daily 06:00Figures from the ledger · KES
SHA-256 · 15 Oct 2026 · 2c51 f185 … c395 423bVerify →
Contract stub — local/dev only. These figures are generated by apps/web to the published-aggregates contract, not read from a ledger.
Day 0. No members yet. These zeros are because nothing has happened — not because anything is hidden.
The only financial cooperative you own, can see inside, and can take across a border.
verifiable: /own › Members · dividend paidRadical transparency
Balance sheet, loan book, treasury and board votes — public, daily, with a fingerprint you can check.
verifiable: /own · today’s hashCooperative prices, no friction
Save from KES 1, no minimum. Loans come after 90 days of membership — no guarantor form.
verifiable: /own › Pricing (rates, fees) · Borrow: coming, no rateBorderless
Local currency and dollars side by side, in Kenya, Uganda, Tanzania, Rwanda and Ethiopia — and funded from the UK, US, UAE or Australia at a rate you see before you pay.
verifiable: /trust › BacBon VASP · /own › Pricing (FX spread + history)Talk to it
English or Swahili — app, WhatsApp or *384*7#. Money moves only after you confirm.
verifiable: *384*7# · WhatsApp business
The chama is the unit
Bring your chama. Everyone sees the ledger; nobody can cook it.
verifiable: /own › Members and CirclesThe waitlist is open on WhatsApp.
Leave your number. We message you when your county opens. Nothing to pay, no queue-jumping — the waitlist is not a game.
Join the cooperative from abroadJoin the cooperative from abroad — you own it too.
UK, US, UAE, Australia. A member — one share, a USD Save, the same ledger.From the UK, US, UAE or Australia you are a member, not a customer of a remittance: one share, a vote at the AGM, a USD Save beside the local one, and the same ledger you can read from London, Dallas, Dubai or Sydney. When you send home, the spread and the fee are one line on the sheet before you confirm, and their history is public on /own › Pricing.
verifiable: /trust › BacBon VASP · /own › Pricing (FX spread + history)