What is Thamani and how does it work?

Thamani is a digital finance platform that helps savings groups and small financial communities (like chamas) automate their bookkeeping, reporting, and reconciliation. It integrates with WhatsApp so group contributions, loans, and member activity are recorded automatically, giving real‑time reports and improving transparency without manual entries. Users can create a group, track contributions and loans, and manage financial activities.

What countries does Thamani operate in?

Thamani is headquartered and primarily operates in Nairobi, Kenya, serving Kenyan savings groups and communities with its digital financial management platform.

How do I sign up for Thamani?

You sign up by creating a savings group on the Thamani platform and registering your phone number to access the dashboard.

Does Thamani have a mobile app?

No. Thamani does not currently have a branded iOS or Android mobile app published on the public app stores. The main way users access its features is through the web app dashboard (https://app.thamani.io) and WhatsApp integration, which allows group members to interact and manage finances directly via WhatsApp messages.

Who is Thamani best suited for?

Thamani is a useful tool for community groups to record contributions, expenses, loans, and fines and generate reports with exportable statements.

How do I contact Thamani support?

You can contact Thamani support by emailing hello@thamani.io for help with your account, dashboard access, or general questions about the platform.

Does Thamani have a plan for teams or businesses?

Yes, Thamani is designed for managing savings groups and financial communities, making it suitable for teams and organizations to track contributions, loans, and members.

Thamani

🇰🇪 Kenya

A WhatsApp-based tool that turns conversations, receipts, and member updates into real-time financial records and insights. No spreadsheets. No confusion. No drama.

Use it on:WebChat Based

Is Thamani right for you?

Best for

Kenyan chamas
Savings groups
Group treasurers
Member contributions
Shared expense tracking

What it does well

WhatsApp-based tracking
Receipt to records
Member update logs
Real-time balances
Spending insights

Things to check

Bank money linking
Treasurer permissions
Member access controls
Export options
Pricing fit

Thamani is a WhatsApp-based financial management tool for Kenyan groups such as chamas, estate committees, and investment collectives that want structured records without spreadsheets.

Key capabilities include:

WhatsApp bot record-keeping: members tag the bot in the group chat with payment details or instructions, and it logs contributions, expenses, loans, repayments, fines, and penalties into up-to-date records.
Rules-based tracking and reminders: admins set group rules in the web admin panel (or upload a group constitution), and the system applies those rules to generate repayment schedules, send opt-in reminders, and apply automated penalties.
Reporting and exports: members can request balances, contribution summaries, and monthly reports from the chat, and admins can view and download detailed reports and exportable statements for AGMs and audits.
Goal tracking and controls: supports group goal tracking plus privacy and accountability controls with secure storage.

Available via WhatsApp for day-to-day use, with a Web admin dashboard at https://app.thamani.io/.

Target users include group admins, treasurers, chairpersons, and members managing shared funds in informal and semi-formal community groups.

It is notable in the Kenyan market for meeting groups where they already coordinate financially, inside WhatsApp, while adding structured reporting and rule enforcement designed for common chama and estate workflows (including M-Pesa-style payment confirmations).

Social Links:

Categories:

Fintech

Features & Business Model:

ai-powered b2b2c expense-tracking saas