PesaOS is a micro transactional digital saving and lending app platform for financial service providers to launch their own branded customized lending apps to serve their customers instantly.
Start Your Own Mobile Lending App Instantly



How It Works
For Your Users
Download Your App | Apply for a Loan | Loan is approved | Repay the loan |
For You as an administrator
Download Your App | Review Loan Applications | Set Customer Limits | Disburse Loans | Receive Loan Payments |
With Pesa OS, you can spin up your own branded mobile lending app, encouraging customers to borrow and repay consistently, all with low fees and an easy repayment schedule.
Offer different loan types
For example, you may offer an instant a loan at X% interest with different repayment terms of Y months, e.g. Instant loan at 7.5% for 3 months.
- Custom loan name
- Custom interest rate
- Custom additional fees per loan
- Custom duration of loan in terms of weeks or months
Offer Different Subscription Models
For example, you may offer
- Free user subscriptions
- Paid subscriptions per month e.g. KES 500 per month for business users
- Closed (Internal) users – not available to public, ideal for societies and companies.
Direct checkoff – ideal for staff loans
PesaOS can integrate with HR and Payroll systems to offer staff loans directly from the app.
Customized Credit Scores
Create your own credit rating system that determines customer limits and ability to obtain loans from your system.
Download Demo PesaOS App

Business Intelligence Reports
- Active Users – Monthly, Daily, Real-time
- Income Report
- Delayed payments
- Defaulters
- Crash statistics and details
Technical Architecture
MSAVE API is hosted on Google using multiple Google services.

Key Tech Specifications
- SLIM FRAMEWORK – PHP codebase
- MYSQL DATABASE
- ELOQUENT ORM for Data Manipulation
- ANDROID APP in Java compatible min ver. 17
- RETROFIT FRAMEWORK for API CALLS
- SSL Certificate for Encrypted API Calls
- Token Authentication for salted API Calls
- MPESA Integration for Mobile Payments (Kenya)
- Google Firebase for 2-factor authentication
- Google Compute Engine hosts CENTOS Linux server
- CPANEL on server for dedicated hosting
Interested in PesaOS?
Fill in your details below, and specify how you would want your own mobile lending app to work on the PesaOS platform. We will get in touch with a quote.