Inside The Operating Model
One product, three connected surfaces.
Lender WebOrigination, approvals, releases, reports
Borrower MobileOTP, PIN, borrowing, repayment visibility
Admin OversightTenants, billing controls, revenue, SMS balance
M-Pesa Powered Lending Operations
Run approvals, disbursements, and collections from one focused lending system.
Vault brings lender operations into a single product for SACCOs, microfinance teams, and private lenders. Manage borrowers, enforce salary-based limits, secure money-out actions with OTP, and keep a live read on wallet funding and portfolio performance.
Borrower mobile accessOTP-secured disbursementsLive wallet and repayment visibility
What Teams Control
A
Employer-level lending rules with interest, approval depth, and borrowing caps tied to gross pay.
B
Borrower exposure stays visible as repayments reduce outstanding balance and reopen borrowing room.
C
Money-out actions stay guarded by OTP and live balance validation before release.
Who It Serves
Built for lenders who need control, speed, and a cleaner operating rhythm.
The product is shaped for lending businesses that want fewer handoffs, fewer manual reconciliations, and a clearer line of sight from request to repayment.
Audience
SACCO Teams
Run borrower onboarding, salary-linked lending rules, approvals, and collections from one disciplined operating desk.
Audience
Microfinance Businesses
Coordinate staff, release funds faster, and keep a live view of balances, disbursements, and repayment performance.
Audience
Private Lenders
Replace scattered spreadsheets and manual follow-up with one workspace for origination, releases, and recovery tracking.
Capabilities
The core controls a lending business needs, without the spreadsheet sprawl.
Wallet Funding And Control
Top up your lending wallet, track every ledger movement, and keep money-out decisions tied to live balance checks.
Employer-Based Credit Rules
Configure salary-based borrowing caps, interest models, and approval depth per organization or borrower segment.
Borrower Registry
Maintain one clean borrower record per person with salary data, phone numbers, employer links, and repayment history.
Approval And Release Flow
Route manual approvals, enforce OTP on money-out actions, and keep releases accountable to named staff actions.
Collections Visibility
Track outstanding balances, partial repayments, closed loans, and live performance without switching tools.
Operational Reporting
Read loan-book totals, repayment posture, pending actions, and recent wallet activity from one shared reporting layer.
Product Surfaces
The website, the borrower app, and the admin console work as one operational system.
Tenant Web App
Lender Web Workspace
Staff manage borrowers, organizations, approvals, disbursements, wallet balances, and reporting from a focused portal.
Dashboard and portfolio viewBorrower and organization setupLoan approvals and disbursement controls
Mobile App
Borrower And Staff Mobile App
Borrowers verify with OTP or PIN, request loans, track repayment exposure, and review their loan history on mobile.
OTP and PIN-based accessBorrowing and repayment screensMobile visibility into limits and loan history
Admin Web App
Platform Oversight Console
Super admins review tenants, platform revenue, billing controls, and SMS credit from a dedicated control surface.
Tenant governance and billingPlatform ledger and revenue viewsOperational controls and SMS visibility
Workflow
From setup to repayment, the flow stays visible and accountable.
Set Up The Lending Business
Create the workspace, onboard staff, define employer groups, and establish lending rules before the first release.
Fund The Wallet
Top up the lending wallet, watch the available balance, and keep every credit and debit visible in the ledger.
Originate, Approve, Disburse
Capture borrower requests, route approvals, and secure money-out actions with OTP before funds are released.
Collect And Measure
Track repayments, outstanding balances, disbursement throughput, and repayment health from one live operating view.
Ready To Launch
Open a lending workspace and move from setup to live operations in one product.
Start with your staff login, borrower structure, and lending rules, then move into approvals, disbursements, collections, and oversight without rebuilding the stack around them.