Built for
How Kenya Saves.
Zedek is the digital financial home for Kenya's 300,000+ chamas and millions of individual savers. We're turning informal financial power into structured, transparent, and growing wealth.
What Drives Us
Everything we build is grounded in a single belief: financial well-being should be within everyone's reach.
Financial Well-Being for Everyone
A future where financial security is within reach, regardless of background or location — from Nairobi CBD to rural Kenya.
Innovative & Accessible Finance
To provide innovative digital solutions that empower individuals, groups, and communities to take full control of their financial destinies.
The Digital Brand of Jeld Investment Ltd
Founded in 2022 and headquartered in Nairobi, Zedek (formerly ChamaSpace) was built by people who understand chamas from the inside out.
Kenyan Savers and Chamas Deserve Better Tools
Over 300,000 chamas collectively manage an estimated KSh 300 billion — yet most still rely on handwritten notebooks, WhatsApp groups, and cash envelopes. Many Kenyans are locked out of investment vehicles as high entry investment lock them out.
The informal sector is powerful. Chamas are Kenya's most widespread financial safety net — they just need digital infrastructure to match their scale.
Manual Bookkeeping
Notebooks and Excel sheets lead to errors, fraud, and mistrust — eroding group savings and relationships.
Idle & Shrinking Funds
Traditional merry-go-rounds circulate money without growth — leaving savings vulnerable to inflation over time.
No Access to Credit
Most chama members are excluded from formal financial institutions due to lack of verifiable credit history.
High Entry Barriers
Money market funds often require KSh 1,000–5,000+ minimums — locking out low-income earners who need growth most.
Six Products. One Ecosystem.
Zedek is the only platform providing a fully integrated digital ecosystem for Kenyan chamas and personal savers. No more juggling apps.
Savings Goals (Wekeza)
From KSh 5Create personal or group savings goals earning 10–15% interest. Choose Fixed (lock for higher returns) or Regular (daily/weekly/monthly) contributions.
Learn moreSmart Wallet
M-Pesa ConnectedThe financial hub powering everything. Deposit via M-Pesa Paybill/Till, withdraw instantly, or send money to any member or chama.
Learn moreKopeshana P2P
Peer LendingSecure, collateral-free lending between verified members. Digital loan agreements, repayment tracking, and transparent interest terms — no banks needed.
Learn moreChama Bookkeeping
TransparentReal-time tracking of all contributions, loans, fines, and expenses — accessible to every member. Replace notebooks with a live, auditable ledger.
Learn moreMerry-Go-Round
Smart RotaAutomate merry-go-round cycles while temporarily investing idle funds in high-yield instruments — so your money grows even while waiting its turn.
Learn moreExpense Tracker
Personal FinanceSee exactly where your money goes. Categorise spending, set budgets, and get insights that help you save smarter — not just more.
Learn moreBuilt Around How Communities Actually Save
Across Kenya, millions rely on informal financial systems — chamas, merry-go-rounds, family groups, and trusted communities. But most still operate through notebooks, spreadsheets, and scattered WhatsApp messages.
Zedek was created to modernize these systems without removing the trust, flexibility, and social connection that make them powerful. We are building financial infrastructure designed around how people already save, lend, contribute, and grow together.
The People Behind Zedek
Built by founders who understand the realities of communal finance, digital trust, and the importance of accessible financial tools.
Lawrence Mwangi
Co-Founder & CEO
Lawrence grew up around chamas and informal savings groups, where trust was strong but financial systems were limited. After seeing how difficult it was for groups to manage contributions, loans, and investments transparently, he co-founded Zedek to modernize communal finance while preserving the social trust that makes it work.
Solomon
Co-Founder & CTO
Solomon began building Zedek after recognizing that many financial tools were either too complicated, too expensive, or disconnected from how ordinary people actually manage money. His focus is building technology that feels simple, transparent, and trustworthy from the very first interaction.
The Zedek Journey
The Idea
Initial concepts formed around improving transparency and structure in community finance systems.
MVP Launch
The first version of the platform launched with savings goals and bookkeeping capabilities.
Growth
ChamaSpace expanded into a broader financial ecosystem supporting lending, tracking, and communal finance.
Zedek
The platform evolved into Zedek — a modern financial infrastructure platform built for individuals and communities.
The Principles That Guide Everything
From how we build features to how we talk to users — these values are non-negotiable at Zedek.
Trust & Transparency
Every transaction is visible to members in real time. No hidden fees, no opaque processes. Chamas thrive on trust — so does Zedek.
Community First
We serve group-based finance where most fintechs don't. Our platform is built around the collective, not just the individual.
Radical Accessibility
Starting from KSh 5 is not a gimmick — it's a commitment. Financial tools should work for every Kenyan, not just those who already have capital.
Money Should Grow
Savings sitting idle lose value. We invest idle funds in money market instruments so your money always works — even between contributions.
From ChamaSpace to Zedek
You may know us as ChamaSpace. We've grown — and our name now reflects where we're going. Zedek offers all the products in ChamaSpace but we have added many others.
Ready to Join Zedek?
Whether you're saving solo or managing a chama of 100 — Zedek gives you the digital infrastructure to do it right.
No commitments. Start saving from as little as KSh 5.