Chama Circle · Swift Axis

How Chama Circle Works

Simple workflows designed around how Kenyan Chamas already operate.

For Chama Officials

From sign-up to running the group — with guidance, not instant auto-activation.

Share your group details online when the table is ready to go digital.

Choose Package

Pick a plan that fits your size and how you meet — no guesswork at the AGM.

Complete onboarding guidance

Walk through M-Pesa-first setup aligned with how you already collect.

Receive app instructions

Receive onboarding and activation guidance through official Swift Axis channels.

Invite members

Bring members in with clear access steps — treasurers stay in control.

Begin using Chama Circle

Start managing contributions, loans and welfare once activation guidance is complete.

For Members

Stay informed without chasing the treasurer on WhatsApp every week.

Receive invitation

Get access guidance from your Chama officials — no mystery links.

Setup password

Create your login when your invitation or setup link arrives.

Access joined Chamas

See every group you belong to in one place.

View contributions

Check what you have paid and what is outstanding.

View loans

Follow balances and repayment progress you agreed to.

View welfare updates

See harambee-style support you gave or received.

View statements

Download or review summaries when officials share them.

Receive reminders

Get nudges before meetings and deadlines where enabled.

M-Pesa-Friendly Workflow

Built around how Kenyan groups already send money — then made easier to reconcile.

Chama selects collection method

Agree on Paybill, Till, Pochi or the number the table already trusts.

Members contribute

Members pay the usual way — M-Pesa only, no card payments on this platform.

Treasurer records or captures details

Record, track and reconcile M-Pesa information — Swift Axis does not store your funds.

Records are reconciled

Match payments to members and rounds before the next meeting.

Notifications sent where enabled

Members get updates when officials turn reminders on.

Reports become easier

Chair and treasurer share clearer summaries with less last-minute scrambling.

For Swift Axis Digital Chama Advisors

Support Kenyan Chamas with training and onboarding after verification.

Read agreement

Understand engagement terms before you register.

Accept engagement terms

Confirm you agree to the agent programme rules.

Submit your details for review — not instant approval.

Verification review

Swift Axis reviews your application; timing varies by case.

Receive onboarding guidance

Training and next steps after approval — commission terms shared then, not fixed here.

Begin onboarding approved Chamas

Help groups go digital once you are cleared to represent Swift Axis.

App Access During Early Rollout

Android access while the wider rollout continues.

Registration received

Your Chama or member details are logged for review.

Review

Onboarding is checked before app access is issued.

APK instructions sent

Official channels only — no download links on this marketing site.

Password setup link received

Set your password from the link Swift Axis provides.

Install Android app

Use a phone or tablet — no Google Play listing during early rollout.

Start using Chama Circle

Begin after activation guidance — not automatic from this page alone.

Safety note

Only use official Swift Axis download instructions. Do not install APK files from unknown links or third-party sites.