Products — Sunlight
— 40 m
Chama
A ledger the whole group can trust
Open Chama
The Chama summary screen showing this month's total
The member ledger, listing who has paid
An SMS receipt confirming a contribution
A chama runs on trust and a paper book. The book gets lost, the treasurer moves, and a year of contributions becomes an argument nobody can settle.
Chama keeps the same ledger on every member’s phone. Contributions are recorded offline and reconciled when a signal appears, and every member gets an SMS receipt the moment their money lands — so the record is never one person’s word against another’s.
It is deliberately not a bank. It does not move money. It remembers who paid what, and it can prove it.
- Works with no signal, reconciles later
- SMS receipt to every member on every contribution
- Any member can audit the full history
- Runs on a KSh 3,000 Android phone