---
title: "XENO: Goal-Based Investing and Savings Plans"
description: "Set savings goals and invest in regulated unit trust funds in Uganda & Kenya. Start from UGX 10,000 or KES 500, AutoSave via mobile money."
canonical_url: "https://liners.com/xeno"
markdown_url: "https://liners.com/xeno.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/xeno/screenshot.png?v=1779879652360"
published_at: "2026-03-05T21:13:03.406Z"
updated_at: "2026-10-05T05:12:56.025Z"
---

# XENO: Goal-Based Investing and Savings Plans

Set savings goals and invest in regulated unit trust funds in Uganda & Kenya. Start from UGX 10,000 or KES 500, AutoSave via mobile money.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [XENO](/xeno)

## Summary

Plan, save, and invest toward clear financial goals

A goal-based investing platform for people and groups in Uganda and Kenya to set targets, automate deposits, invest in regulated funds, and track progress.

## Product details

| Field | Value |
| --- | --- |
| Website | https://myxeno.com/ |
| Tagline | Plan, save, and invest toward clear financial goals |
| Primary country | Uganda |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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).

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Investments](/tags/investments): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Wealth Management](/tags/wealth-management): Product feature or technology
- [Kenya](/countries/kenya): Market
- [Uganda](/countries/uganda): Market

## Related pages

- [Alternatives](/xeno/alternatives)
- [Reviews](/xeno/reviews)
- [Transparency](/xeno/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/xeno)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)