Smart. Compliant. Scalable. One unified ledger for loans, savings, and member equity — delivered at kwacha prices, offline‑first.
Active members (pilot)
Loans processed
Average loan approval
Replace spreadsheets and disconnected systems with one real‑time core.
Loans, savings, shares in one double‑entry system — real‑time solvency & PAR.
Digital dividends, AGM voting, share certificates – built for cooperatives.
Field officers work in remote areas; data syncs when signal returns.
Audit trails, BoZ reports, automated provisioning out‑of‑the‑box.
Capture KYC, biometrics, group details – even offline.
Automated schedules, interest, mobile money integration.
Deposits, withdrawals, dividend accruals – one ledger.
PAR, liquidity, balance sheet – ready for auditors.
“My loan used to take four weeks. Now I get it in ten minutes – money lands on my phone before I leave. Zumsphere respects my time.”
“We finally have a single source of truth. Our PAR dropped by 40% because we see risk in real time. And it's priced in kwacha.”
All plans include core ledger, member management, and compliance tools. Kwacha pricing, no hidden fees.
Up to 500 members, 1 institution
Up to 2,000 members, 3 branches
Unlimited members, multi‑institution
Got questions? We’ve got answers.
Join the institutions that have cut loan approval time from days to minutes.
We’ll reach out within 24 hours. No spam, just solutions.