Phase 1 Available
Redirect
Hand off to our hosted checkout. Live in around 30 lines of code.
Best for: Fastest go-live, lowest compliance footprint.
For merchants · Built for Kenya
EDOMX bridges your customers' existing credit accounts — M-Shwari, KCB M-Pesa, Equity, Faraja, and more — to your checkout. Real-time decisions at the provider. Settled T+1. Integrated in days.
The product
Buy now. Pay over weeks. Approved in seconds.
≤ 8s Decision latency for new customers
T+1 Settlement to the merchant
M-Pesa Native repayment, day one
CBK Licensed Digital Credit Provider
What we stand for
Credit done badly hurts the people who can least afford it. We chose this business knowing that, and we run it accordingly. Every product decision, every underwriting rule, and every customer conversation goes back to these three.
01
02
03
How it works
Your customer adds to cart on your store. We pre-qualify quietly, score in seconds, book the loan in requires_capture, and disburse only when you ship. Refunds and partial shipments recompute the repayment schedule automatically.
Your shopper builds their cart as normal. We pre-qualify quietly so you know whether to surface Lipa Polepole — no hard bureau pull.
Identity, fraud, affordability, score, and cart-aware limit — all in a single, observable state machine. Approved customers see their offer. Declines get a respectful path back to your alternative payment options.
Disbursement fires on shipment, not on click. Refunds and partial shipments proportionally recompute the schedule. We handle reminders, repayments, and collections. You handle the order.
Integration
Start with a redirect this quarter. Move to embedded UI when you're ready. Go fully native when your roadmap demands it. The same API, state machine, webhook contract, and idempotency primitives carry through every stage — so the integration you ship today is the integration you keep.
Hand off to our hosted checkout. Live in around 30 lines of code.
Best for: Fastest go-live, lowest compliance footprint.
Mount EDOMX elements inside your own checkout. Customer never leaves your page.
Best for: Conversion-sensitive UX, native-feeling flow.
Full server-to-server control. Native Android and iOS SDKs.
Best for: High-volume platforms, sub-second repeat-buyer decisioning.
For developers
Borrowed from the patterns that scaled Stripe and PayPal: one durable resource, one explicit state machine, server-to-server webhooks as the source of truth. Built so you ship correctly in week one and don't rewrite anything in year two.
curl https://api.edomx.co.ke/v1/credit_intents \
-u sk_live_xxx: \
-H "Idempotency-Key: order_8f2e91" \
-H "EDOMX-Version: 2026-05-01" \
-d amount=2499900 \
-d currency=kes \
-d merchant_order_id=JM-77831 \
-d "customer[phone]=+254712345678" \
-d capture_method=manualCapital partners
EDOMX originates against tightly underwritten, short-tenor consumer credit in partnership with category-leading merchants. Real-time portfolio data, transparent risk pricing, and a regulated counterparty in CBK-licensed Faraja Zero.
Visit the financier portalLive dashboards on origination, performance cohorts, and exposure. No quarterly waiting; no PDFs.
Capital deployed against vintage-level scoring; pricing models open to your diligence team.
Faraja Zero is a CBK-licensed Digital Credit Provider. ODPC-registered. Audited to international assurance standards.
Local-first
Every layer of EDOMX was built for the market we serve — not retro-fitted from somewhere else. From M-Pesa repayment to IPRS-verified KYC to multi-bureau scoring with sensible fallback, this is credit infrastructure that meets your customers where they already are.
Swahili UI ships in Phase 2.
Regulation
Credit is a regulated business. We treat it like one. Every state transition is logged, every decision is explainable, every customer has a path to a human review.
CBK
Digital Credit Provider — actively licensed
ODPC
Registered controller and processor under DPA 2019
PCI DSS
SAQ-A at launch — no card data in scope under redirect mode
ISO 27001
On the roadmap within 12 months of launch
SOC 2
Type II within 18 months of launch
Talk to our partnerships team about a Phase 1 redirect integration. We'll get you a sandbox, a contract draft, and a named engineer in your channel — typically within a working week.