50,000 people already save with us.
Your business plugs right in.
Offer payroll savings, sell through the marketplace, or lend to trusted groups — all from one dashboard, ready in minutes.
For Employers
Help employees build real savings through payroll deductions and group savings circles. Better financial resilience, better retention.
Boost employee wellness →For Shops
List your products. Members save toward them over time. You get paid when the voucher is redeemed — zero credit risk.
List your products →For Lenders
Approve micro-loans, track repayments live, and manage your full loan book from one dashboard.
Start lending →Choose how you grow. We handle the rest.
Whether you pay salaries, sell products, or lend money — MiKashBoks gives you a ready-made customer base and the tools to serve them.
For Employers
Improve employee financial wellness. From payroll.
- Employees save directly from salary — zero admin for you
- Match their savings to show you mean it
- Digitize payroll — one click to run and pay directly to bank accounts or mobile money
For Shops
Sell to 50,000 people — before they even walk in
- List your products; members save toward them over time
- You get paid when the sale is confirmed — zero credit risk
- Reach buyers who couldn't afford you in one payment
For Lenders
Lower risk. Faster approvals. Built-in repayments.
- Groups already save together — repayment accountability is built in
- Set your own auto-approval rules for micro-loans
- Full loan book, risk alerts, and repayment tracking in one place
Free to start. Simple to scale.
No setup fees. No lock-in. We only charge when you transact — so our interests are aligned with yours.
Starter
Everything you need to get started
- ✓ Your own branded dashboard
- ✓ Unlimited users and groups
- ✓ Payroll deductions, lending, or marketplace — your choice
- ✓ Email support
Growth
For businesses ready to scale
- ✓ Everything in Starter
- ✓ All product features unlocked
- ✓ Reach 50,000+ active savers instantly
- ✓ Priority support with SLA
- ✓ Advanced reporting and analytics
Enterprise
For large employers, MFIs, and retail chains
- ✓ Everything in Growth
- ✓ Multi-branch or multi-product setup
- ✓ Custom integrations and data exports
- ✓ On-site onboarding support
- ✓ Regulatory and audit reporting
Strengthen employee financial resilience.
Help your workforce build real savings through payroll deductions, group savings circles, and contribution matching — all from one dashboard. Zero admin, zero cash handling.
Strengthen Your Team
How it works
Create your company account
Sign up in 5 minutes. Add your company logo and invite your HR team.
Employees opt in to savings
Staff choose how much to save each pay cycle — via USSD, WhatsApp, or app.
Run payroll, auto-deduct, done
One click deducts savings and pays to bank or mobile money. Full audit trail.
Payroll-Linked Savings
Employees save automatically from their salary. Zero friction, zero admin overhead. They choose how much to save each pay cycle and watch their balance grow in real time.
- ✓ Automatic deductions every pay cycle
- ✓ Works with any payroll system
- ✓ Real-time balance tracking for employees
Financial Wellness Dashboard
Track participation, see savings trends, and measure the impact on your workforce. Export reports for payroll or share with HR — no spreadsheets needed.
- ✓ Real-time participation metrics
- ✓ Savings trend analytics
- ✓ Full audit trail for compliance
Group Savings Circles
Employees form savings groups with built-in accountability. Social proof drives retention. Contributions go through payroll — fully digital and trackable.
- ✓ Group savings via payroll deduction
- ✓ Match contributions at any percentage
- ✓ Staff stay longer when they feel valued
See how payroll savings work in 2 minutes
Watch a quick walkthrough of setting up savings, running payroll, and tracking results.
Sell to people already saving to buy.
MiKashBoks members set savings goals for things they want. When they hit their target, they redeem a voucher at your shop. You get paid — guaranteed, upfront, no credit risk.
Start Selling
How it works
List your products
Add photos, prices, and descriptions. Takes less than 5 minutes per product.
Members save toward your products
Customers browse, pick your item, and start saving. You can see progress in real time.
Validate the voucher, hand over the goods
Customer shows their voucher code. You verify it, deliver the product, and get paid.
Instant Storefront
List your products and reach 50,000+ active savers. No setup fees. Add photos, prices, and descriptions — takes less than 5 minutes per product.
- ✓ Full payment guaranteed before delivery
- ✓ Funds held in escrow until you confirm
- ✓ Zero bad debt, zero credit risk
Voucher & Payment Tracking
Real-time sales tracking, voucher redemptions, and automated payouts. Every transaction is logged and reconciled — no manual bookkeeping.
- ✓ Connect bank or mobile money
- ✓ Request payouts anytime
- ✓ Full transaction history in your dashboard
Savings-Powered Demand
Your customers save toward purchases. Built-in demand before you even list. New revenue from people who couldn't afford you in one payment.
- ✓ Expand your customer base instantly
- ✓ Customers save with intent to buy
- ✓ No advertising cost to you
See how the marketplace works
Watch how to list products, track savers, and validate vouchers — all in under 3 minutes.
Digitize your loan book. Reduce costs. Reach further.
Upload your existing loan book and get a state-of-the-art management system instantly. Disburse and collect digitally. Leverage group accountability for better repayment rates.
Start Lending
How it works
Set your lending criteria
Define loan products, max amounts, and auto-approval rules. You control everything.
Borrowers apply via any channel
USSD, WhatsApp, or app — every application lands in your dashboard automatically.
Approve, disburse, and track — live
Small loans approve themselves. You review bigger tickets. Repayments flow back automatically.
Digital Loan Management
Upload your existing loan book. Get a state-of-the-art management system instantly. Define loan products, set auto-approval rules, and manage everything from one screen.
- ✓ Import your existing loan portfolio
- ✓ Custom rules per loan product
- ✓ Auto-approval for qualifying borrowers
Lower Transaction Costs
Disburse and collect payments digitally. No more cash runners or manual reconciliation. Send funds directly to borrower wallets. Repayments flow back automatically.
- ✓ One-click disbursement to mobile money
- ✓ Automated repayment collection
- ✓ Complete audit trail for regulators
Social Nudge Engine
Leverage group accountability for repayment. Built-in social pressure reduces defaults. Groups already save together — that trust translates directly into better repayment rates.
- ✓ Social trust scoring built in
- ✓ Automated alerts for at-risk borrowers
- ✓ Catch problems before they become defaults
See how the lending dashboard works
Watch how to set up loan products, approve applications, and track your portfolio.
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