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 AppApply for a LoanLoan is approvedRepay the loan

For You as an administrator

Download Your AppReview Loan ApplicationsSet Customer LimitsDisburse LoansReceive 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

Get it on Google Play

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
  • ELOQUENT ORM for Data Manipulation
  • ANDROID APP in Java compatible min ver. 17
  • 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.

    loanssavingsloans and savings