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Digital and nano lending

M-Pesa first originations, USSD *334#, WhatsApp, app and agent-assisted loan flow.

Daraja liveLimits Collections

Loans today

1,842

▲1,842 applications

Avg loan

Ksh 4,650

—nano ticket size

M-Pesa success

97.8%

▲B2C, C2B and STK

Auto approval

64.2%

▲scorecard straight-through

Time-to-cash

3.7m

▲median B2C payout

Active borrowers

128,460

▲165 live risk signals

Real-time 24h pipeline

6 live rows

Application	Channel	Amount	Score	Rail	Status	Live
Akinyi O. DNL-2407-0918 / 254712019884	USSD *334#	Ksh 3,500	742	B2C payout queued	B2C sent	1m ago
Muriithi K. DNL-2407-0917 / 254798441227	App	Ksh 7,200	688	B2C ready	Auto-approved	4m ago
Naliaka W. DNL-2407-0916 / 254701553198	WhatsApp	Ksh 2,500	611	STK fee consent	STK pending	8m ago
Kiptoo S. DNL-2407-0915 / 254722880411	Agent	Ksh 11,500	574	Officer verify	Manual review	13m ago
Wanjiru N. DNL-2407-0914 / 254745330920	USSD *334#	Ksh 1,200	492	Limit lock	Declined	21m ago
Otieno P. DNL-2407-0913 / 254790114552	App	Ksh 9,800	703	B2C confirmed	B2C sent	27m ago

M-Pesa rail health

M-Pesa first

STK push

repayment prompts accepted

97.8%

healthy

B2C

median time-to-cash

3.7 min

healthy

C2B

callback posting success

99.1%

healthy

Callback lag

Daraja webhook p95

2.4s

watch

Channel breakdown

1,842 applications

USSD *334#

824

Share of 24h applications / approval 61.0%100.0%

Value: 824
Max: 824

Conversion
74.0%

Volume
Ksh 2,950,000

Control
Safaricom low-data path, assisted PIN reset watch

Mobile app

516

Share of 24h applications / approval 69.0%62.6%

Value: 516
Max: 824

Conversion
81.0%

Volume
Ksh 3,680,000

Control
Device binding plus app telemetry

WhatsApp

303

Share of 24h applications / approval 58.0%36.8%

Value: 303
Max: 824

Conversion
67.0%

Volume
Ksh 1,185,000

Control
Chatbot pre-screen, consent replay required

Agent-assisted

199

Share of 24h applications / approval 72.0%24.2%

Value: 199
Max: 824

Conversion
76.0%

Volume
Ksh 2,290,000

Control
Agent KYC check and branchless onboarding

Risk signals

Fraud queue

Velocity flags

Fraud ops

36

1.9% of applications1.9%

Value: 0.019
Max: 1
Threshold: 0.02

Hold repeat applications over 3 attempts in 60 minutes

SIM swap alerts

Risk desk

14

0.8% of applications0.8%

Value: 0.008
Max: 1
Threshold: 0.02

Force manual review before B2C disbursement

Device fingerprint mismatches

Decisioning

27

1.5% of applications1.5%

Value: 0.015
Max: 1
Threshold: 0.02

Step-up with app or agent validation

Fuliza stress markers

Limit policy

88

4.8% of applications4.8%

Value: 0.048
Max: 1
Threshold: 0.02

Cap top-up offers until C2B repayment clears

Operating model

Nano lending ready

Decisioning

Auto-approve below policy limit, route SIM swap and device mismatch to manual review.

Disbursement

B2C loan payout is gated by limit, consent, score and Daraja callback health.

Repayment

C2B paybill receipts and STK prompts reconcile against loan account references.

Fuliza context

Fuliza stress markers cap top-ups and trigger affordability rechecks before rollover.