Financial services for the riders who move Kenya
Jaza Fintech builds credit, insurance, and savings products for the two million commercial boda boda riders who generate over a billion shillings of daily economic activity in Kenya. We start with fuel.
A subsidiary of Admedia Communications Limited · Operating under a CBK-licensed lender of record
A market that has not been won. It has barely been entered.
Kenya has over two million registered commercial motorcycle riders. Each one runs a daily-cash business with no formal credit history.
The sector generates roughly one billion shillings of daily economic activity, almost none of it captured by formal financial services.
The current dominant fuel-credit player serves around one percent of the addressable rider base.
Sources: NTSA, industry estimates, Kenya Economic Survey 2026.
We turn the rider's phone into a financial identity.
Riders earn cash through the day but face cost pressures from the moment the day starts. Fuel is the first one. Insurance is the largest one. Savings is the missing one. We build the products that fit the daily rhythm of the work — fast, small, and designed for the phone in the rider’s pocket.
Every transaction builds a picture. Over time that picture becomes a proprietary view of rider creditworthiness that gets sharper with every cycle — and that no competitor can replicate without operating the same product, at the same frequency, for the same riders.
A branded house. Built in sequence. Each product compounds the next.
From request to repayment in 24 hours.
The money never touches the rider’s wallet. The cycle closes in less than a day.
Rider requests
Opens the app or dials in, selects the station and the fuel amount, confirms. Under 60 seconds.
We pay the station
Payment goes directly to the petrol station. The rider never receives cash.
Rider fuels up
Station attendant dispenses fuel against the payment confirmation. The rider rides.
Rider repays
Principal plus a flat access fee, repaid within 24 hours from the day’s earnings. Eligibility resets immediately.
Three engineering choices that change the economics.
B2B disbursement, not cash to rider
We pay the petrol station, not the rider. The credit never becomes cash. That single design choice eliminates diversion risk and closes the loop on every advance.
Built at the rider's frequency
We run at the rider’s frequency, not a lender’s calendar. The behavioural picture we build is structurally richer than anything a monthly product can generate — and it compounds with every advance.
Built for the work
Kiswahili-native, works on the phone every rider already has, no friction at origination. Designed against real rider behaviour from extensive field research across Nairobi corridors.
Regulated by design. Lending that respects the rider's business.
We operate in regulated mode from day one. The compliance architecture is documented, supervised, and a feature of the business — not a friction.
Lender of Record. All loans originated under a CBK-licensed NDTCP partner. The licensed lender appears as credit provider on every loan agreement.
Data Controller registered. Jaza Technologies Limited is registered with the Office of the Data Protection Commissioner under the Data Protection Act 2019.
Hard recovery cap. Total recovery on any advance is hard-capped at twice the principal, in compliance with the CBK double-principal rule. Enforced at the database level.
Full disclosure before commitment. Every fee, every consequence, every term is shown on the rider’s phone before they confirm. Nothing accrues that the rider did not see.
Face-to-face onboarding. Every rider is walked through the full consequence chain by a Jaza field agent before accepting any terms.
Our lender-of-record partner, technology platform vendor, and device enforcement provider are named in materials shared with qualified investors and partners under NDA. They are not disclosed publicly while commercial arrangements are being finalised.
Pre-launch. Proof of concept underway in Nairobi.
We are deploying with a controlled cohort across selected Nairobi corridors, refining the credit model and the rider experience before scaling. Our operating posture, partnership architecture, and regulatory framework are documented in detail in the investor data room.
- Technology stack contracted and in build
- Lender of Record arrangement substantially negotiated
- Field operations team designed and in deployment
- Seed round under structuring
What did you come here for?
Request data room access
Pitch deck, financial model, unit economics, regulatory framework, competitive intelligence. Sent within 48 hours of a verified request.
Partner with us
Petrol stations, CBK-licensed lenders, insurers, underwriters, EV operators. Tell us your category and we will respond within three business days.
Join the waitlist
Jaza is coming to Nairobi stages first. Drop your number and your stage. We will SMS you in English or Kiswahili when we launch in your area.
Questions worth answering up front.
What stage is Jaza at?
Pre-launch. Proof-of-concept deployment is underway in selected Nairobi corridors. Technology stack is contracted and in build. The seed round is being structured.
How big is the market?
Roughly two million commercial boda boda riders in Kenya. The sector generates approximately one billion shillings of daily turnover. Current penetration by formal fuel-credit products is under one percent of the addressable rider base.
How does Jaza make money?
Two revenue streams per transaction: a flat access fee paid by the rider on repayment, and a merchant rebate negotiated with the partner petrol station, netted off the settlement. Detailed unit economics are in the investor data room.
What makes Jaza different from existing players?
Jaza operates under a Lender of Record arrangement with a CBK-licensed NDTCP partner. The licensed lender appears as the credit provider on every loan agreement. Jaza is registered as a Data Controller with the Office of the Data Protection Commissioner under the Data Protection Act 2019. The medium-term roadmap includes pursuing a direct NDTCP licence.
What is the regulatory posture?
Four things. We pay the petrol station, not the rider — credit never becomes cash. We operate at the rider’s frequency, not a lender’s calendar. We build a proprietary credit picture that gets sharper with every transaction. We operate in regulated mode from day one.
Who is on the team?
The team is led by the founder and operates within the institutional umbrella of Admedia Communications Limited, a Nairobi corporate communications firm with a 20-year operating history. Full biographies are shared with qualified investors and partners.
Where can I read more?
Detailed materials sit behind the investor data room. Qualified investors receive access within 48 hours of a verified request via the form above.
How do I contact the team?
Use the routes in the previous section, or email hello@jazafintech.co.ke for general enquiries.