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EAA
Kenya

Chama Kenya: the modern digital investment circle

Chamas have built Kenyan wealth for decades. From Nairobi to Mombasa, from Kisumu to Eldoret, millions of Kenyans save and invest together. EAA is the digital, AI-orchestrated evolution of the chama — built for the WhatsApp generation.

Create a free account How it works

What makes EAA different from your existing chama

Most chamas struggle with the same problems: irregular contributions, fuzzy bookkeeping, member disputes, and slow rotations. EAA fixes all of that in one app.

  • Automated weekly contributions — no chasing members
  • Real-time ledger — every member sees every transaction
  • AI rotation — fair, transparent, dispute-free
  • Diaspora-ready — family abroad can join

How EAA chama works

Same chama spirit, digital execution.

  • 1. Sign up free with phone or email
  • 2. AI assigns you to an active group based on your contribution level
  • 3. Contribute every Sunday, collect your pot on your turn

Designed for Kenyan reality

Whether you're a Mombasa teacher, a Nairobi tech worker, or a farmer in Nyeri, EAA chama scales with you.

  • Start at $5/week, grow to $10,000/week as you complete cycles
  • Pause anytime — no lock-in
  • Refer friends, earn rewards

Frequently asked questions

Does EAA work with M-Pesa?

Direct M-Pesa integration is on our roadmap. Today, Kenyan users contribute via card (Visa/Mastercard) or USDT crypto, with payouts routed to mobile money where supported.

Is this a SACCO or a chama?

Neither, technically. EAA is a digital ROSCA (rotating savings and credit association) — closer to a chama than a SACCO. No interest, no loans, pure peer rotation.

Can I run multiple chamas?

Yes. You can join several EAA groups at different levels — for example, $5/week with university friends and $50/week with family.

Ready to join EAA?

Free signup in 60 seconds. Start at $5/week and progress at your own pace.

Create a free account