XENO

XENO Investment is a goal-based investment platform for individuals, families, groups, and institutions in Uganda and Kenya that helps people plan, save, and invest toward specific financial targets such as emergencies, education, home ownership, retirement, and custom goals.

Key capabilities include:

• Goal setup and planning: users choose a goal, set a target, and complete a risk appetite assessment to guide how savings are invested.
• Deposits and automated saving: investors can fund goals using MTN/Airtel mobile money or bank transfer, with support for AutoSave and starting minimums of UGX 10,000 (Uganda) or KES 500 (Kenya).
• Diversified fund portfolios: client portfolios invest across regulated unit trust funds spanning Money Market, Bond, and Equity strategies (including domestic and regional/east Africa equity funds, depending on market).
• Tracking and liquidity: dashboards help monitor progress and performance, and users can withdraw all or part of their money at any time.

Available on Web, Android, iOS, and MTN MoMo USSD.

It serves retail investors (individuals and families), groups (SACCOs and investment clubs), and institutions (corporates and retirement schemes) that want structured, goal-based investing with mobile money deposits.

Notable in the Uganda and Kenya market context, the service operates as a licensed fund manager under Uganda’s Capital Markets Authority and Uganda Retirement Benefits Regulatory Authority, and under Kenya’s Capital Markets Authority, and it offers direct access to locally regulated unit trust funds with mobile money channels (including MTN MoMo partnerships).

As of Jun 22, 2026, XENO is rated 4.1 on the App Store from 9 reviews and 3.2 on Google Play from 618 reviews with 100K+ installs.