Your Chama, On-Chain
Kenya's chamas and table banking groups have financed businesses, school fees, and healthcare for decades. M-Pesa made mobile money universal. Njangi House makes the savings circle transparent — on Polygon, with M-Pesa support and diaspora connectivity.
Why Kenyan Savers Choose Njangi House
From market traders in Nairobi's Gikomba to diaspora Kenyans in London and New York — Njangi House bridges the gap between M-Pesa and blockchain while keeping the community accountability that makes chama work.
M-Pesa (KES)
Contribute via M-Pesa in Kenyan shillings. The oracle bridge converts KES to USDC on-chain at live FX rates. No crypto wallet required.
Payout to M-Pesa
When your round arrives, receive the pooled amount to your M-Pesa number. Instant settlement, no bank visits needed.
Diaspora Chamas
Kenyan diaspora members in the UK, US, and Canada contribute in USDC while family in Nairobi or Mombasa receive in KES via M-Pesa.
Transparent On-Chain
Every contribution and payout is recorded on Polygon — visible to all members. No more manual tally sheets or disputes.
DeFi Yield on Pool
Enable Aave v3 to earn 4–6% APY on pooled funds between rounds. Your chama savings generate extra income automatically.
$NKAP Rewards
On-time contributors earn 100 $NKAP per payment. Hold NKAP to unlock lower fees and vote on protocol governance.
Chama culture — Kenya's community savings backbone
Chamas (Swahili for "groups") are the Kenyan version of the rotating savings association — also called table banking in formal settings or sila in some communities. Market women, bodaboda riders, chama groups of teachers, and diaspora WhatsApp groups all use chama structures to save collectively. Members contribute weekly via M-Pesa, and each round one member receives the pooled amount — rotating through all members. M-Pesa penetration means virtually every Kenyan has a mobile money account, making chamas one of the most accessible savings mechanisms in the country. Njangi House brings chamas on-chain while preserving the community structure that makes them work.
