How KAMWI PAY works

For new members

1. Receive an invite code from someone already inside the network.

2. Verify your phone by OTP, then register with the invite code.

3. Complete KYC before requesting loans or funding other users.

4. Add your verified KCB account so approved withdrawals can settle safely after confirmation.

Apply only after KYC approval and only within your current limit.

Your lending score is based on your repayment history, the trustworthiness of your network, and your standing within it.

Loans are visible only to lenders within three hops of your invitation network.

Repaying on time improves your trust profile. Defaulting can freeze your account and trigger penalties up the invitation chain.

Top up your wallet via M-Pesa before funding opportunities.

You only see pending loans from borrowers inside your visible trust network.

Each opportunity shows how closely connected you are, the borrower's repayment history, and their trust rating.

Withdrawals are reserved first, then settled to your saved KCB account after confirmation.

Invitation links are not just social. They affect who becomes visible to lenders and who shares reputational cost if defaults happen.

Timely repayment improves your credit profile and supports stronger trust scores across your network.