The Modern Operating System for Every SACCO
Empowering savings and credit cooperatives with real-time accounting, instant mobile money deposits, automated loan scoring, and member PWAs branded for each community.
Access Your SACCO Portal
Select or enter your cooperative to load your customized portal.
Core Modules
Full-Spectrum SACCO Operations
Savings & Target Vaults
Voluntary, compulsory, and locked target vaults. Automated interest capitalization with real-time deposit ledger.
Loans & Credit Scoring
Multi-stage loan approvals, guarantor pledges, automated penalty calculation, and amortization schedules.
MarzPay Mobile Money
Instant deposits and disbursements directly to MTN MoMo and Airtel Money with verified server webhooks.
General Ledger & Accounting
Double-entry chart of accounts, trial balance, automated balance sheets, and bank reconciliation.
Risk & AML Compliance
Dormancy detection, AML alerts for suspicious deposits, duplicate national IDs, and SASRA classification reports.
Shares & Dividends
Member share capital tracking, share transfers, and automated dividend distribution runs with audit trails.