Zedek

About Zedek

# Take Control of Your Money. The Way Kenyans Actually Save.

**Zedek** is Kenya's all-in-one financial platform that transforms how you save, borrow, and manage money, whether you're saving alone or running a Chama with 100 members.

## Why 50,000+ Kenyans Trust Zedek

Stop juggling notebooks, WhatsApp groups, and cash envelopes. Zedek brings everything into one secure app.

* Deposit instantly via M-Pesa
* Earn up to 15% annual interest on savings
* Access peer-to-peer loans with trusted guarantors
* Digitize your Chama bookkeeping
* Manage everything from your phone

## Six Products. One Ecosystem.

### 🎯 Savings Goals (Wekeza)

Set personal or group savings goals and watch your money grow.

Choose:

* **Fixed Goals** for higher returns with locked savings
* **Regular Goals** for flexible daily, weekly, or monthly contributions

Benefits:

* Earn 10% to 15% annual interest
* Start saving from as little as KSh 5
* Track progress in real time

### 💳 Smart Wallet

Your financial hub.

* Deposit via M-Pesa Paybill or Till Number
* Send money to any Zedek user with zero internal transfer fees
* Withdraw directly to M-Pesa anytime
* Power all Zedek products from one wallet

Use your wallet across Goals, Kopeshana, Merry-Go-Round, and Bookkeeping.

### 🤝 Kopeshana P2P Lending

Borrow with guarantors. Lend with confidence.

Zedek does not lend directly. Instead, you choose trusted guarantors who reserve part of their wallet balance as your backup.

Features:

* No banks
* No collateral
* No long queues
* Loan funding within 48 hours

### 📚 Chama Bookkeeping

The complete operating system for your Chama.

Manage:

* Contributions
* Loans
* Fines
* Expenses
* Financial reports

Includes a WhatsApp Bot that allows members to record transactions without opening the app using commands such as:

* #CONTRIBUTION
* #LOAN
* #FINE

### 🔄 Merry-Go-Round (ROSCA)

Digitize your rotating savings cycles.

* Join public rounds
* Create private invite-only groups
* Earn interest on pooled funds before payout
* Receive automated contribution reminders

Every payout comes with added value.

### 💰 Expense Tracker

Know exactly where every shilling goes.

Track:

* Personal budgets
* Shared Spaces (family, roommates, teams)
* Long-term Projects such as construction

Additional features:

* Upload your M-Pesa statement
* Automatic expense categorization
* Budget alerts
* Spending comparisons across different periods

## Why Kenyans Choose Zedek

✅ Lower fees than traditional banking options

✅ Instant M-Pesa integration

✅ Transparent and secure transactions

✅ Real-time visibility for group members

✅ WhatsApp-based transaction recording

✅ Start with as little as KSh 5

## Built for Chamas. Trusted by Communities.

More than 300,000 chamas across Kenya manage billions of shillings through informal systems.

Zedek helps bring these communities into the digital age while preserving the trust and social connections that make chamas successful.

Gain:

* Greater transparency
* Better record keeping
* Automated processes
* Improved financial growth opportunities

## Formerly ChamaSpace. Now Zedek.

You may know us as ChamaSpace.

We have evolved into Zedek to offer:

* More financial products
* Better interest rates
* Improved technology
* A stronger long-term vision

Same trusted platform. New name. Bigger vision.

## Join the Financial Revolution

Whether you're:

* Saving for a home
* Funding your child's education
* Growing your business
* Managing a Chama with 100 members

Zedek gives you the tools to achieve your financial goals.

**Download Zedek today.**

Start saving from KSh 5.

Start growing today.