Security and integrity
How KAMWI PAY keeps your account and money safe.
Your account is protected
- Strong password requirements are enforced before your account is created.
- Phone verification codes expire quickly and can only be used once.
- Sessions end automatically after a period of inactivity.
- Every dashboard page is verified before it loads, not just visually hidden.
Your money is safe
- Deposits arrive via M-Pesa with real-time confirmation.
- Withdrawals require a verified bank account and are checked against your available balance before processing.
- Every payment is reconciled end-to-end; partial or duplicate transactions are rejected.
Your activity is verifiable
Every important event, including invitations, loans, repayments, defaults, and withdrawals, is recorded in a tamper-resistant log that you can independently verify at any time.
- Each record links to the previous one, making tampering easy to detect.
- Personal data is protected before it enters the activity log.
- System integrity is monitored continuously by automated checks.
What you should do
- Keep your password private and do not share verification codes.
- Verify the domain before entering credentials or approving an STK request.
- Only invite people whose repayment behaviour you are willing to stand behind.
- Report suspicious payment prompts or account activity immediately.