stratum

Take control of your financial future with Stratum, the intelligent financial advisor designed for the modern Kenyan.
Stop guessing where your money went. Stratum automatically analyzes your transaction SMS messages from M-Pesa and banks to create a comprehensive, real-time view of your finances—without you having to type a single digit.
KEY FEATURES:
Automated Expense Tracking
Stratum securely reads SMS alerts from M-Pesa, KCB, Equity, Co-op Bank, NCBA, and Stanbic to automatically categorize your spending. See exactly how much you spend on Food, Transport, Utilities, and more instantly.
Net Worth Calculator
Get the big picture. Stratum aggregates your liquid cash (M-Pesa), bank balances, and liabilities (Fuliza, Loans) to show your true Real-Time Net Worth.
Smart Budgeting
Set monthly limits for specific categories. Stratum tracks your progress automatically and warns you when you are spending too fast, helping you stick to your goals.
Investment Portfolio
Track your wealth building. Monitor your contributions to Money Market Funds (CIC, Britam), Saccos, and other investments alongside your daily expenses.
Privacy First & Offline Ready
Your financial data belongs to you. Stratum works offline-first using a local secure database. We do not sell your data to third parties.
SUPPORTED SERVICES:
• M-Pesa (Send, Receive, Paybill, Buy Goods)
• M-Shwari & KCB M-Pesa
• KCB Bank
• Equity Bank
• Co-operative Bank
• NCBA
• Stanbic Bank

Download Stratum today and start building wealth, one layer at a time.