The institution, in numbers
Every figure below is computed from the ledger, never typed. What is withheld is listed as withheld, with the reason.
Offline — showing figures from 15 Oct 06:00 EAT
Day 0 — no members yet. These figures are zero because nothing has happened, not because anything is hidden. Custody, policy, pricing and licence status below are real today.
Contract stub — local/dev only. These figures are generated by apps/web to the published-aggregates contract, not read from a ledger.
Balance sheet
daily · as of 15 Oct 06:00 EATLoan book
daily · as of 15 Oct 06:00 EATNo loans until Phase 1 — Borrow opens after 90 days of member history. Nothing is lent from member deposits before that.
By product · by size band — tables render at first loan
Treasury
daily · as of 15 Oct 06:00 EAT| Class | Counterparty | Holding |
|---|---|---|
| Cash · e-money trust account [sponsor bank] | [sponsor bank] | ETB 0.00 |
| Bank placements — | — | ETB 0.00 |
| Government paper · MMF — | — | ETB 0.00 |
| USD stablecoin (USDC) BacBon custody · CBK VASP | BacBon custody · CBK VASP | USD 0.00 |
Custody: ETB deposits with the SACCO under SASRA rules; wallet float in trust accounts under the e-money licence; USD custodied by BacBon in segregated accounts. No Pepea Technologies entity holds member money.
Members and Circles
daily · as of 15 Oct 06:00 EATPricing
on change · as of 15 Oct 06:00 EAT| Joining fee | ETB [fee] |
|---|---|
| Share capital target | ETB [target] |
| Deposit interest (ETB personal) | [rate] % p.a. · daily accrual |
| Credit rates | — · Borrow opens Phase 1 |
| FX spread ETB↔USD | [spread] % |
| M-Pesa out | ETB [fee] |
Governance
on event · as of 15 Oct 06:00 EAT| Board member | Term |
|---|---|
| Chair | [Chair] · 2026–2029 · limit 2032 |
| Independent director | [Independent director] · 2026–2029 · limit 2032 |
The monthly letter
monthly · as of 15 Oct 06:00 EATNo letter yet
The first letter is written the month after the first member joins — by Pepea AI, reviewed and signed by the board.
Withheld — and why
- Any member’s identity or balance
- Data Protection Act; the by-laws. Aggregates only.
- Exposures below the top-20 aggregate
- Re-identification risk in a small book.
- Counterparties still in negotiation
- Named when a contract is signed; shown as “[in negotiation]” until then.
- Fraud rules and thresholds
- Security-sensitive. The categories are published on /trust; the numbers are not.
- Anything under a regulator’s confidentiality direction
- Listed here with the regulator’s name and the date of the direction when it happens. None today.
Today’s fingerprint
This is a fingerprint of today's published figures. If a number on this page changed after 06:00, the fingerprint would not match.
/own/verify shows the full hash, the CSV it was computed from, recomputes it in your browser, and lists the last 30 days.