Our vision
Every savings and investment club in Africa runs on records its members can trust, and has a clear path from saving together to investing together.
Kyma Capital Limited · Kampala, Uganda
Digital infrastructure for savings and investment clubs
A verified record of every contribution, a live position for every member, and an assistant on WhatsApp that answers in plain language, where your club already talks.
About Kyma
Clubs run on trust. We give that trust a record.
Savings groups, investment clubs and SACCOs are how millions of people across Uganda and the region save and invest together. Most still run on notebooks, spreadsheets and long WhatsApp threads: records get lost, members can't check their own balance, and treasurers spend evenings reconciling mobile money by hand.
Kyma brings a club's contributions, balances, loans and history into one verified place, and lets every member reach their own information simply by chatting on WhatsApp. No new app to learn, no forms, no commands to memorise.
- For membersAsk about your balance, contributions or loans in your own words on WhatsApp.
- For treasurersRecord, verify and reconcile contributions, approve loans, and export statements.
- For club managersSee the whole club at a glance on a phone or a computer.
- Each club its ownEvery club's records are kept separate from every other club's.
Why we exist
Vision and mission
Our mission
To give clubs the financial infrastructure they have always had to improvise: verified records, open access for every member, and credible opportunities to grow, delivered through the tools they already use.
What we stand on
Three pillars
Trust through verification
Every contribution is evidenced, checked against the club's own records and kept in one auditable history.
Access through WhatsApp
Members use a tool they already use every day. Kyma adapts to how people talk, not the other way round.
Growth through access
Clubs that are ready can move from saving together to investing together, in opportunities vetted by Kyma Capital.
How it works
From a club's first sign-up to every member's own answer
- The club is registeredKyma registers the club and its admin, and imports its existing records once, so nothing is lost.
- Members are addedThe admin adds members, or shares a sign-up link a member completes on WhatsApp for the admin to approve.
- Members simply chatOn WhatsApp a member asks "what's my balance?", reports "paid 50000" or requests a loan, in plain language.
- The treasurer verifiesPayments members report wait as pending until the treasurer checks and verifies them; only then do balances change.
- Everyone sees the truthMembers see their own position, managers see the whole club on the dashboard, and statements export to Excel.
Live in the pilot today
What Kyma does now
Everything below is working in Kyma today with its first clubs.
A conversational assistant
Members ask in their own words about their balance, contributions by year, profit, loans and investments, and get a clear answer. A numbered menu works too.
Report a payment
"paid 50000", a date, a yes: the payment is recorded as pending and the club admin is told, until the treasurer verifies it.
Request a loan
Members request a loan with its amount and purpose; the admin approves or rejects it in the console and the member is told.
Verified contributions
Record, verify and adjust contributions with a full history; balances move only on verified money.
Statements and reconciliation
Member and club statements as real Excel workbooks, group entries such as bank interest and expenses, and a check that every balance matches its history.
Club dashboard
Overview, inbox of what is waiting, and every member's history, on a phone or a computer, installable like an app.
One person, many clubs
A member of several clubs uses one WhatsApp number and moves between clubs in plain language.
English, Luganda, Swahili
The assistant replies in the member's language, and the key consent questions exist in all three.
Sign-up links and approvals
Admins share a sign-up link or add members directly; self sign-ups wait for an approver's yes on WhatsApp.
Built for trust
Group money deserves group-grade safeguards
Every club apart
Each club's records are separated at the database itself, so no club can ever see another's members or money.
Consent before AI
Nothing about a member reaches the AI assistant until that member has said yes, and they can say "stop AI" at any time.
A full audit trail
Every change to money is recorded with who made it; consent records can never be edited or deleted.
Backed up, encrypted
Nightly encrypted backups, kept so that only Kyma's own key can open them.
Our products
One platform, three ways in
Kyma is in its pilot with its first clubs. Club managers and treasurers sign in with the accounts their club was given.
Kyma on WhatsApp
Your club's assistant. Check your balance, report a payment or request a loan by simply chatting, in English, Luganda or Swahili.
Available to members of clubs registered with Kyma. Your club admin adds you.
Club dashboard
Your club at a glance: totals, members, what is waiting for you, and each member's history. Works on a phone and installs like an app.
Open the dashboardTreasurer console
Record and verify contributions, approve or reject loan requests, register clubs and members, and export statements.
Sign in to the console
On the road ahead
What's coming next
Planned in Kyma's product roadmap; not yet available.
Investment marketplace
Opportunities curated and vetted by Kyma Capital, such as money market funds, unit trusts, bonds, real estate and agribusiness, for clubs to review and decide on together, tracked over time.
Proof of payment and bank matching
Photograph a deposit slip or mobile money message and let Kyma read it; upload the club's bank statement and Kyma matches every line.
Governance and returns
Voting on proposals, contribution reminders, and a fair share of returns for every member based on what they put in.
Contact
agacapital82@gmail.com
Run a club? Let's talk.
Tell us about your club and we'll show you how Kyma would work for it.