Rails that make Ugandan earners visible.
Sendu is a mobile money rail for Uganda. Every payment and savings contribution on the rail generates a credit score. Banks and SACCOs use that score to lend to people they currently cannot.
active mobile money users in Uganda
annual mobile money transaction volume
underbanked with dormant bank accounts
saved informally each year
Millions save, repay, and transact every week. None of it counts toward credit.
Five products. One integrated rail. Every transaction generates a signal.
Pay
Consumer mobile money payments. P2P transfers, bill payments, cash-out. Every transaction feeds the scoring engine.
Circle
Digital savings groups for SACCOs. Mobile money collection, trust account settlement, lending infrastructure, and 30 behavioural signals per member.
Till
Interoperable merchant payments. Any MTN or Airtel user pays any Till merchant. Captures transaction data banks cannot access from telcos.
Float
Agent liquidity infrastructure. Earned float, daily sweep mechanics, rebalancing via retail offices across Kampala and Jinja.
Rating
132-signal behavioural credit scoring. Variance economics. CRB integration. Banks deploy capital through Sendu rails using Rating decisions.
Why I Moved to Kampala
30 March 2026
I was born in Kampala. My family left in 1980. I grew up in London and spent twenty years building infrastructure for...
What a SACCO Manager Actually Does
1 April 2026
The manager arrives at seven on a Saturday morning. The meeting starts at nine. Two hours to prepare: print the Excel...
Security for Managers and Members
4 April 2026
Cash changes hands multiple times between the moment a member contributes and the moment it reaches the bank. Member to...