Most savings apps are built for one person. Kenyans have always saved in two ways at once — on their own, and together. MAA INVEST is one app for both, instead of a personal app that bolts a "groups" tab on as an afterthought.
Personal savings are yours alone, so you move them alone. Group savings belong to everyone in the chama, so every payout gets checked by the people your group elected.
A goal is yours. Fund it, automate it, withdraw it. Nobody approves your own money but you.
Create a group and you're its Treasurer automatically. Bring in a Chair and Secretary — every loan and withdrawal needs all three.
Anyone can put a padlock icon on a homepage. Here's what actually stops money from moving wrong.
Treasurer, Chair, and Secretary — a rejection at any stage stops it. Nobody can approve their own request, even if they hold one of those offices.
Personal savings pay straight into your M-Pesa the moment you ask — no queue, no officer, no approval, because it was never anyone's money but yours.
2% on new deposits, published in the app, never charged again when that money moves between goals, groups, or loan repayments.
Join free — set up your first goal or your group in minutes.
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