For credit providers · Built for Kenya
EDOMX is the bridge between Kenyan credit providers and the merchants where Kenyans actually shop. Mobile lenders, banks, and money market funds — one integration, many merchants. You keep the customer, the rates, the brand. We bring the distribution.
The bridge today
Live providers and the lanes they fit into.
Provider categories
Whether you're a mobile-first lender, a chartered bank, or an asset manager running a money market fund — EDOMX routes your product into Kenyan checkouts on rails appropriate to your technology stack and your regulator.
Digital-first lenders meeting borrowers inside the M-Pesa menu or on Android. Short-tenor, high-velocity products that thrive on real-time decisioning.
Integration: Typical fit: REST API, USSD bridge, or app deep-link for authorisation.
M-Shwari
NCBA + Safaricom
KCB M-Pesa
KCB Bank + Safaricom
Faraja Zero
Faraja Zero
Tala
Tala Mobile
Branch
Branch International
Established banks bringing their mobile and digital credit products to retail checkout. Larger limits, longer tenors, deeper customer relationships.
Integration: Typical fit: core-banking integration or treasury API, with our adapter layer in between.
Equity Bank
Eazzy mobile loan
NCBA Loop
NCBA Bank
Co-operative Bank
M-Coop Cash
Absa Timiza
Absa Bank
Stanbic Bank
Mobile credit
Customer balances on MMFs become spendable at participating retailers. Funding source rather than credit — the customer is spending what they hold, with the asset manager settling on their behalf.
Integration: Typical fit: asset-manager API, with same-day NAV settlement and balance-debit authorisation.
Britam MMF
Britam Asset Managers
CIC MMF
CIC Asset Management
Sanlam MMF
Sanlam Investments
ICEA LION MMF
ICEA LION Asset Management
NCBA MMF
NCBA Investment Bank
Your institution missing? Get in touch with partnerships.
Why join the bridge
Most Kenyan credit products are stuck inside the apps that issued them. EDOMX gets your product to where the spending is happening — without taking your customer, your fees, or your brand along the way.
How it works — your side
Joining the bridge looks more like signing a card-network agreement than building a new digital channel. Most of the heavy lifting is on our side.
Partnership agreement, integration scope, joint DPIA, brand and disclosure commitments. Typically two to four weeks with a focused counterpart on each side.
We meet you on the technology you have — REST API, webhook, USSD bridge, or core-banking adapter. Sandbox with deterministic test customers; certification against the bridge spec.
Your product appears in every connected customer's picker at every connected merchant. Real-time dashboards on authorisation rate, latency, declines, settlement, disputes.
Integration models
Three integration shapes covering the technical realities of Kenyan credit providers. Each terminates against the same EDOMX bridge contract — so customer-facing behaviour is consistent regardless of which lane you arrive on.
OAuth-style customer linking, JSON authorisation requests, signed webhooks. The path-of-least-resistance for providers already API-mature.
Best for: Faraja, Tala, Branch, modern digital lenders
EDOMX adapter terminates against your core banking system, exposing a normalised interface to the bridge. We absorb the ESB complexity.
Best for: Equity, NCBA, Co-op, Absa, Stanbic, I&M
Balance-debit authorisation with same-day NAV settlement. Built around the unitisation and trust-account constraints MMFs operate under.
Best for: Britam, CIC, Sanlam, ICEA LION, Old Mutual, NCBA Investment Bank
Compliance
EDOMX is the bridge, not the lender. That means almost every regulatory responsibility you'd worry about transferring to a partner stays exactly where it is today — with you.
Licensing stays with you
CBK DCP, banking, and CMA Trustee / Fund Manager licences remain on the connected provider — EDOMX is the bridge, not the licensee.
KYC stays canonical at source
You already KYC'd the customer when you originally onboarded them. EDOMX KYCs the customer separately for the platform, but your record is the source of truth for credit-related identity.
Joint DPIA template
EDOMX provides a standard DPIA template covering the data-flows EDOMX → provider, provider → EDOMX. Co-signed with each partner; updated together.
Disclosure at the picker
Consumer Protection Act requires customers see total cost, APR, and fees before they commit. We surface your disclosed numbers at the moment of selection; you control the copy.
CRB and reporting
You continue your existing CRB reporting on your originated loans. EDOMX adds no new reporting obligation; we are upstream of your credit decision.
Tell us about your product, your customer base, and your technology stack. We will come back with a scoped proposal — integration model, settlement terms, timeline — typically within a working week.