Community-Powered Financial System

Now available on WhatsApp

Manage Group Savings &Loans with Nairi

A digital platform for Tanzanian group savings (Upatu). Save together, contribute via mobile money (M-Pesa, Tigo Pesa, Airtel Money), and access community loans. No bank account needed.

Use the full mobile app or simply interact through WhatsApp anytime, anywhere.

Get Started Now Get App

Growing Community

Active savings groups

100% Secure

Encrypted transactions

Made for Tanzania

All mobile money supported

Comprehensive Savings Solutions

Everything your community needs to save, lend, and grow together

Group Savings Management

Create and manage savings groups (Makundi) with automated rotation, contribution tracking, and transparent member oversight.

Mobile Money Integration

Seamlessly send and receive funds through all mobile money networks including M-Pesa, Tigo Pesa, and Airtel Money.

WhatsApp Access

Already have an account? Check balances, manage groups, and complete key actions directly through guided WhatsApp chat.

Loan Requests & Tracking

Request loans from your group savings, track repayments, and manage lending cycles with complete transparency.

Secure & Transparent

All transactions and contributions are recorded securely with full visibility for all group members.

Simple Process

Get Started in 3 Simple Steps

Join thousands of Tanzanians already saving smarter with Nairi.

Register

Create your account with just your phone number. No bank account or ID required.

Join or Create a Group

Start a new savings group or join an existing one via an invite link from a friend.

Save & Receive

Contribute via M-Pesa, Tigo Pesa, or Airtel Money and receive your payout when it's your turn.

Communities Don't Need Banks. They Need Each Other.

NairiApp is a digital platform that modernizes local savings groups. It makes saving, borrowing, and tracking easy, secure, and transparent for everyone — even those without a bank account.

Our mission is to create a community financial system where traditional banking infrastructure isn't necessary. When trust, technology, and community come together, the community itself becomes the bank.

Works with all mobile money networks

No bank account required

Access and manage your group directly via WhatsApp

Automated contribution rotation

Real-time transaction tracking

No smartphone apps needed for core actions

Community-Powered Banking

We believe communities can be their own banks. No need for traditional banking infrastructure when trust and technology come together.

Financial Inclusion

Built for everyone, especially those without bank accounts. If you have a phone and a community, you can save and grow together.

Preserving Tradition

Upatu has worked for generations. We're not replacing it—we're enhancing it with digital tools that make it better, safer, and more transparent.

Experience the Platform

Manage your group savings your way — via mobile app or WhatsApp

Mobile App

Full App Experience

Track savings in real-time

Manage groups easily

Send and receive money

Full dashboard control

Trusted by Communities

What Our Members Say

Real stories from real people building financial futures together.

"Before Nairi, we kept records in a notebook and arguments were common. Now everything is transparent and our group has grown from 8 to 25 members."

Amina Hassan

Group Leader, Dar es Salaam

"I used the loan from my Nairi group to buy stock for my shop. The repayment tracking is automatic — I never miss a payment and my credit in the group is perfect."

John Mwangi

Small Business Owner, Arusha

"I don't have a smartphone but I manage everything through WhatsApp. I check my balance, confirm contributions, and get reminders — all in chat."

Grace Kimaro

Teacher, Moshi

Create Your Account

Get Started with Nairi

Your Details

Verify OTP

Done

Frequently Asked Questions

No! That's the beauty of Nairi. You don't need a bank account. As long as you have a phone and access to mobile money (M-Pesa, Tigo Pesa, or Airtel Money), you can participate in savings groups and manage your finances.

Nairi digitalizes the traditional "Ubuntu" or "Chama" model. You join or create a group, set contribution rules, and the app tracks everyone's savings. Rotation and payouts are managed transparently within the app.

All transactions are encrypted and recorded secure using industry-standard protocols. Every contribution, withdrawal, and loan is tracked transparently, so you always know where your money is.

Yes, you can be a member or admin of multiple savings groups simultaneously. You can easily switch between groups to view balances and activities for each.

Simply download the Nairi app from the Play Store or App Store (coming soon), create an account with your phone number, and either create a new group or join an invite link from a friend.