Mali Yetu offers a complete suite of digital financial tools tailored specifically for Africa’s farmers, traders, and agribusiness stakeholders. Our services are built around the core pillars of produce digitization, financial inclusion, secure trade, and seamless transactions.
1. Digital Wallet
What it is:
A secure, mobile-accessible wallet that allows users to receive, hold, and transfer funds conveniently.
Key Features:
Send and receive money via mobile money, bank transfers, or in-app transfers
Accept payments from buyers, cooperatives, and off-takers
Top-up or withdraw to M-PESA, Airtel Money, MTN, and bank accounts
Track transaction history with real-time balance updates
Who Benefits:
Farmers, traders, and suppliers needing a centralized wallet for all agri-business-related income and expenses.
2. Produce Storage & Digitization (Inventory Management)
What it is:
A service that allows farmers and traders to store their cereals in accredited warehouses and digitize their produce as tradable, financeable inventory.
Key Features:
Verified warehouses store your produce under safe, standardized conditions
Digital receipts reflect quantity and quality of stored goods
Users can track, trade, or use stored goods for loans—without moving the physical goods
Who Benefits:
Grain traders, cooperatives, and smallholder farmers looking to store and leverage their produce as an asset.
3. Inventory-Backed Credit Facilities
What it is:
Access to credit or short-term financing based on the market value of your stored produce.
Key Features:
No need for traditional collateral—your grain or cereal stock serves as security
Flexible repayment options linked to sales or produce withdrawal
Fast approval via the Mali Yetu platform
Who Benefits:
Farmers, aggregators, and traders needing working capital to buy inputs, transport produce, or expand operations.
4. Escrow Services
What it is:
A digital escrow system that holds funds securely until the agreed transaction terms are fulfilled between buyer and seller.
Key Features:
Funds are locked until buyer confirms receipt or delivery of produce
Prevents fraud and builds trust between parties
Fully automated via wallet or mobile phone
Who Benefits:
Both buyers and sellers of cereals and other agricultural products, especially in remote or cross-border deals.
5. Bulk Payments & Staff Disbursement
What it is:
A bulk transfer tool that allows users to send money to multiple recipients in a single transaction.
Key Features:
Pay staff, farmers, or suppliers instantly
Upload recipient lists or integrate with APIs
Track payment status and delivery confirmation
Who Benefits:
SACCOs, cooperatives, NGOs, warehouse managers, and agribusinesses with large or dispersed teams.
6. Bill Payments & Utility Services
What it is:
Users can conveniently pay for utilities, services, or business-related bills directly from their Mali Yetu wallet.
Key Features:
Pay water, electricity, airtime, and internet bills
Support for local and regional service providers
Automated reminders and payment history
Who Benefits:
All users looking for added convenience and consolidated financial management.
7. Cross-Border Trade & Payments
What it is:
Support for multi-currency payments and transactions across 18+ African countries.
Key Features:
Send and receive money between different mobile money platforms and banks
Currency conversion supported in-app
Great for regional trade between cooperatives, traders, and off-takers
Who Benefits:
Cereal traders and aggregators doing business beyond borders or within regional trade blocs (EAC, COMESA, etc.).
8. Partner & Buyer Dashboard (For Off-Takers, NGOs & Warehouses)
What it is:
A dedicated dashboard for partners to track farmer engagement, disburse funds, monitor produce stock, and report metrics.
Key Features:
Custom reporting tools
Digital ledger and proof of payment
Real-time visibility into produce flows and payments
Who Benefits:
Warehouses, off-takers, NGO programs, agribusiness buyers, and SACCOs looking for transparency and reporting tools.
9. SACCO & Contribution Management
What it is:
Tools for rotating savings groups, SACCOs, and farmer cooperatives to manage financial contributions and withdrawals.
Key Features:
Track individual member contributions
Disburse loans or payouts
Automate group reporting
Who Benefits:
Village savings groups, SACCOs, and farming cooperatives managing shared funds.
10. API & Platform Integration
What it is:
For larger partners or institutions, Mali Yetu offers API integrations to streamline transactions, reporting, and logistics.
Key Features:
Integrate with warehouse management systems or ERPs
Automate loan disbursement and monitoring
Sync user data with external apps
Who Benefits:
Banks, microfinance institutions, NGOs, or agribusinesses with custom platform needs.