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Save, pay and get paid in KES.

Wellth in Kenya. Run your chama by its own rules, pay school fees and organisations on M-Pesa or Airtel Money, and let Kenyans abroad pay home in GBP, EUR, USD or AED. Every amount in Kenyan shillings.
Currency
Kenyan shillings (KES)
Mobile money
M-Pesa, Airtel Money, T-Kash
Phone format
+254, then 9 digits
Contact
hello@tallgrasshq.com

What Wellth does in Kenya.

The app is the same in every country. Software runs today; each money feature switches on in Kenya once its licensed partner and licence are in place.
  • Live in the app

    Club governance and ledgers

    Members, roles, secret ballots, loans with two keys, fines, the social fund and an audited share-out.

  • Live in the app

    Circle goals

    Save toward something with a name, every member watching, two keys to pay out.

  • Launching with licensed partners

    Wellth Pay: money in

    Contributions, repayments and fines paid from mobile money, confirmed by the network.

  • Launching with licensed partners

    Wellth Pay: money out

    Loans and share-outs sent to the member's mobile money once both keys are in.

  • Launching with licensed partners

    School fees

    Parents anywhere pay a learner's fees; the bursar gets the same receipt by SMS.

  • Launching with licensed partners

    Organisation payments

    Clinics, shops, churches, SACCOs and NGOs take payments by payer number or counter number.

  • Launching with licensed partners

    Organisation payouts

    Organisations pay suppliers and petty cash after two keys from two different people.

  • Launching with licensed partners

    Pay from abroad by bank

    Family abroad pays contributions and fees by bank, every line shown before they pay.

  • Launching with licensed partners

    Wellth balance

    Payouts can land in a Wellth balance to keep and spend later.

  • Launching with licensed partners

    Wellth Card

    Prepaid cards loaded from the Wellth balance: Wellth, Gold, City and Scholar.

What each feature waits for in Kenya, line by line: licensing status.

Kenya's networks.

Each payment is routed by the network of the number that pays or is paid.
  • M-PesaMoney in and out
  • Airtel MoneyMoney in and out
  • T-KashNot taken yet: pay from another network

Kenya's rules.

Set by the Kenya pack. Two keys, secret ballots and the audited share-out are the same everywhere.
Contributions
KES 100 to KES 300,000 a month
Loans that go to the whole circle's vote
Above KES 20,000
Loan cap
3 x the member's savings
Members
Up to 30 per circle, 100 per mother group
Phone numbers
+254, typed locally as 0712 345 678

Kenyans abroad pay home in their own currency.

Contributions, repayments and school fees. Your chama or the school receives KES. The fee and the rate are separate lines, shown before anyone pays. Receiving is always free.
Paying into Kenya from abroad, by bank
Pay inBy bank: fee + rate margin
Pounds (GBP)No fee + 0.5%
Euros (EUR)No fee + 0.5%
US dollars (USD)No fee + 0.5%
UAE dirhams (AED)No fee + 0.5%
Canadian dollars (CAD)Personal requests onlyNo fee + 0.5%
Australian dollars (AUD)Personal requests onlyNo fee + 0.5%

Placeholder prices until our licensed partner's quote is in. School fees to a school on Wellth have no fee, just the rate. Canadian dollars and Australian dollars are taken for personal requests only for now.

Schools and organisations.

Fees and payments land in KES, with an SMS to the bursar or the owner. Every payment out takes two keys from two different people.

Schools

Parents anywhere pay a learner's fees from M-Pesa or Airtel Money, or by bank from abroad. The school signs an agreement with us first. For schools

Clinics, shops, churches and SACCOs

Payer numbers, bills, counter numbers and a poster for each site; the owner sees every site. For organisations

  • CollectFreePayer numbers, bills, family shares, counter numbers and the poster: money in.
  • RunKES 4,500 a monthCollect, plus the cash desk and cash-up, suppliers, two-key payments out, petty cash, the summary at your closing time and the audit export.
  • Run PlusKES 13,000 a monthRun, plus Analytics and connecting your own system through the API and webhooks.

Organisation plans are placeholder prices; pilots come first and nothing is billed yet.

Talk to us in Kenya.

Starting a chama, bringing a school or an organisation on, or partnering with us. We answer every message.
Emailhello@tallgrasshq.com

No Kenya phone line yet: email us and we will call you back.