Five products. One sovereign rail.
Sendu is a sovereign rail with five integrated products. Each product captures financial behaviour. Together, they create the most complete picture of a working person's creditworthiness in Uganda. Sendu owns the rails, the data, and the scoring engine. No dependency on telco partnerships for data access.
BUILDING
Pay
Consumer mobile money wallet.
P2P transfers across MTN and Airtel networks. Bill payments. Cash-out at parity pricing. Every transaction feeds the Rating engine. Pay is how users enter the Sendu ecosystem. Their daily financial behaviour becomes visible to banks for the first time.
Pay generates: transaction frequency, amount patterns, network activity, cash-out behaviour, bill payment consistency.
LIVE
Circle
Digital savings groups for SACCOs.
Mobile money collection, trust account settlement, sub-ledger management, reconciliation, and lending infrastructure. Managers administer groups via USSD, PC dashboard, and Android app. SACCOs lend from their own capital with Sendu providing origination, scoring, and variance management. 30 behavioural signals per member.
Circle generates: contribution consistency, repayment discipline, savings trajectory, prompt response rate, early warning indicators.
PILOT
Till
Interoperable merchant payment rail.
Any MTN or Airtel mobile money user can pay any Till merchant. Merchants abandon telco merchant codes and consolidate on a single interoperable rail. This captures complete transaction data that banks cannot access from telcos. MTN and Airtel do not sell merchant transaction data to banks. Sendu creates this intelligence.
Till generates: merchant revenue, transaction volume, deposit patterns, seasonal revenue curves, customer diversity.
PILOT
Float
Agent liquidity. Bank intelligence.
Agents run out of cash. 62% of mobile money users in Uganda cite agent liquidity failure as their primary challenge. Float provides earned float (tiered by performance), commercial float, daily sweep mechanics, and rebalancing across a retail network. One liquidity network. Every connected bank and SACCO shares it. Agents serve any institution's customers from a single float balance. Every rebalance, every cash-in, every float draw generates a signal. Sendu scores it.
Float generates: rebalancing frequency, float utilisation, liquidity management, operational discipline.
ACTIVE
Rating
132-signal behavioural credit scoring engine.
Three layers. External credit reference bureau data provides credit history and cross-network loan exposure. First-party signals from Pay, Circle, Till, and Float capture financial behaviour within the Sendu ecosystem. Variance economics treat late payment as priced cash flow and reward borrowers who recover. Banks deploy capital through Sendu rails using Rating decisions. Automatic collection via holdback.
Rating integrates: 132 signals across savings, repayment, transaction, financial behaviour, early warning, external validation, and seasonal stress.
How the Products Connect
Pay
→
Circle
→
Till
→
Float
→
Rating
→
Bank Capital
→
Users
Each product feeds signals into Rating. Rating unlocks bank capital that flows back to users as credit, creating demand for more transactions across all five products.
Why We Own the Rails
First-party data.
Sendu captures behaviour through products Sendu built and operates. Competitors depend on telco partnerships for data access. When the partnership ends, the data ends. Sendu's data is permanent.
Rail control enables lending.
Holdback repayment collection requires owning the transaction rail. Sendu debits repayments at the point of transaction. This is the mechanism that makes micro-lending at scale economically viable. Scoring without rail control is a consultancy, not infrastructure.
Cross-product compounding.
CRBs score consumers from bureau history. Telcos score from airtime and mobile money. Sendu scores from savings, payments, merchant transactions, agent behaviour, and repayment patterns simultaneously. 132 signals across 7 groups. No single-product platform can replicate this density.
For Bank Partners
Activate your dormant customers.
20 million Ugandans have bank accounts they never use. Banks cannot score them. No transaction history. No payslip. No collateral. Sendu captures their financial behaviour through five integrated products and converts it into credit decisions banks can deploy capital against. Revenue share on attributed loans. SaaS licensing for the Rating API. Banks keep their customers. Sendu provides the intelligence.
Learn more about bank partnerships