Monitor
Kenya typology rules score every M-Pesa transaction as it arrives.
For Kenya's digital lenders and SACCOs
AML operations built for M‑Pesa
Tillsight watches paybill collections and loan disbursements across each borrower's linked phone numbers, explains every alert in plain language, and drafts the STR for your MLRO to approve.
Working prototype with simulated data. Recruiting design partners for 2027 pilots.
Generic AML tools weren't built for how money moves in Kenya
Borrowers repay from several lines, payments sit just under M-Pesa caps, and loans are cycled through third parties. Most teams piece this together by hand, then rewrite it again for an STR and again for the inspector.
Investigate
Each alert says why it fired, with the numbers and transactions behind it.
Report
Four-eyes approval, then a goAML-style STR draft and a one-page summary.
Verify
Onboarding checks with screening and risk tiering in the same record.
The product
From payment to filed report, in one place
Paybill callbacks are scored against Kenya typology rules within seconds of arrival: structuring under M-Pesa caps, third-party loan cycling, many-to-one repayments, velocity spikes, dormant reactivation and sanctions matches.
Every alert explains itself in plain language: how many payments, over what period, from which of the customer's numbers, and how that compares with what they borrowed. Analysts assign, note and close with a reason.
An analyst recommends, the MLRO approves, and Tillsight drafts a goAML-style XML report with the reporting deadline counted from suspicion formed. The MLRO always files.
Registry lookup, liveness and face match through a KYC partner, with our own sanctions and PEP screening and a risk tier on the customer record. Slow registry responses queue and retry instead of losing the applicant.
Every action is logged with who, when and what changed, before and after. Export it for a CBK or SASRA inspection in one click.
How it works
Four steps, one record
- 1
Transactions in
M-Pesa callbacks and your loan book, read-only. No change to how you collect or disburse.
- 2
Rules score them
Kenya typology rules, with thresholds your compliance team can tune and explain.
- 3
People decide
Analysts review, the MLRO approves. Tillsight supports decisions; it never makes them.
- 4
Report and prove
A goAML-style STR draft for the MLRO to file, and an audit trail for the inspector.
See it working
Short demos from the prototype
All people, numbers and transactions in these clips are invented.
Recording in progress
Recording in progress
Recording in progress
Prefer a live walkthrough? Ask for one and we'll take you through it in 10 minutes.
Where we are
What is real today, and what is simulated
Real today
- A working prototype of the full workflow
- Kenya typology rules with tunable thresholds
- Four-eyes case review and audit trail
- goAML-style STR drafts and print summary
- Production architecture and build plan
Simulated in the prototype
- Registry lookup, liveness and face match
- The M-Pesa feed (no Daraja connection yet)
- Sanctions and PEP lists
- All customers, numbers and transactions
- goAML schema validation (FRC schema to come)
Trust
Built for regulated teams
Data stays in Kenya
Production hosting in Kenyan data centres, with a second site for recovery.
Your MLRO decides
Decision support, not automated decisions. Every approval is a named person's.
Data protection
A data processing agreement and DPIA under Kenya's Data Protection Act before any pilot data moves.
Evidence by default
An append-only audit log designed for seven-year retention and inspection export.
These are our commitments for the production service, which is in development.
Design-partner programme
We're looking for three design partners
Ideally at least one digital credit provider and one deposit-taking SACCO.
What you get
- Free use during the pilot period
- Rules tuned on your own data
- A real say in what we build first
- A conversion price agreed up front
What we ask
- Read-only data access, under a DPA
- Shadow mode: no change to your operations
- About an hour a week of your team's time
- Feedback, and a reference if it works
- Early 2027Scoping and data set-up
- Mid-2027Shadow-mode pilots
- Q3 2027 (planned)General availability
Dates are our plan, not a commitment. Starting a pilot needs only a non-binding letter of intent.
Join the pilot
Register your interest
Tell us a little about your organisation. We'll reply within two working days to arrange a short call or a live demo.
Registering is not a commitment of any kind.