Today
M-Pesa statement. Fuliza. A notebook, Excel, or nothing.
The statement is one wallet. Fuliza is what you owed. The sacco and the grocer never meet, so the salary goes without a reason.
Personal finance for Kenya
See where every shilling went.
M-Pesa, Airtel Money, and sacco texts become a private ledger. No typing. Messages stay on your phone.
Parsed on your phone · M-Pesa, Airtel, saccos · Built in Nairobi
Confirmed. Ksh2,140.00 paid to Westlands Grocer.
On this phoneOctober Example
KSh 42,850
Balance
KSh 640 in fees
- Westlands Grocer Food −2,140
- Mum Send −1,500
- Stima Sacco Savings −3,000
With Keshio
The same texts, in one ledger.
M-Pesa, Airtel Money, and the sacco, filed from the messages on your phone. You see what ate the salary before the month ends. No typing.
How it works
Three steps. No spreadsheet.
- 1 Grant SMS on this phone
- 2 We match the money texts
- 3 You budget what is left
This month
KSh 48,350 · Total spend
Food is 41% of spend
Pro
Ask what you spent.
Turn on a redacted summary. Ask any AI assistant. SMS text stays on the phone.
Ledger
What did food cost after payday?
Food was KSh 18,420. The grocer was KSh 9,640. You are KSh 1,200 over the food budget.
keshio.app/mcp
How to connect
New in Pro · Shop Desk
Your attendant confirms the payment. Your phone stays in your pocket.
“Nimetuma.” Instead of trusting a screenshot or shouting for the owner, staff check the payment on their own phone or tablet at shop.keshio.app.
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1
Turn it on
In Keshio Pro, open Settings → Shop Desk. Pick the wallets and how many days staff can see.
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2
Add an attendant
Their name and a 6-digit PIN. Share the shop code and their attendant code.
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3
Payments land on the desk
Amount, first name, and M-Pesa code appear seconds after the text reaches your phone. Search by amount or code, or get an alert.
Only incoming payments are shared. Never the SMS text, phone numbers, or your balance. Revoke a PIN or turn it off anytime.
KSh 750 from Baraka
Received today
KSh 7,530
6 payments
Search amount, name or txn id
- BA Baraka NEWSNE7K2QX · M-Pesa Till +750just now
- WA WanjikuSND4H8LM · M-Pesa Till +50012 min ago
- KI KipropSND1P5RT · M-Pesa Till +2,3501 h ago
Business API
A shop owner reconciles till payments without asking customers for screenshots.
The confirmation is already a text on the phone that received it. Keshio files the amount. The books pull it, or take a signed webhook.
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What arrives
A credit or a debit, the amount, and the wallet. Not the message, and not someone else’s inbox. Events stay on the account that turned sharing on.
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How consent works
On that phone, in Keshio Pro, the person turns on Business Ledger sharing and chooses credits, debits, or balances, and which wallets. Nothing is sent until they do. The text stays on the phone. Turning sharing off stops the next payment from leaving.
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What it costs
Mobile money is included with Pro at KSh 500 a month. Other wallets, such as a sacco, are KES 1,000 a month on api.keshio.app — one flat fee, as many wallets as you connect. Keys are created in the console, not in the app.
api.keshio.app
| credit | KSh 2,140 | Westlands Grocer | delivered |
|---|---|---|---|
| debit | KSh 800 | Supplier till | delivered |
| credit | KSh 15,000 | Paybill 400222 | delivered |
Raw messages never leave the phone.
Start free. Go Pro when every text should land the moment it arrives.
Free
KSh 0
- Texts imported about every 15 minutes
- Budgets and goals
- One balance across wallets
Pro
KSh 500 / month
- Texts land as they arrive
- A balance per SIM
- Household goals
- Ask an assistant
- Shop Desk for counter staff
- PDF and CSV export
Billed in the Android app on Google Play.
Get Keshio on your phone.
Free to start. The ledger builds from the texts you already receive.
Get it on Google Play