Situ
Situ is a multi-surface financial operating system for regulated credit, insurance, marketplace finance, savings, and investment in East Africa. M-Pesa rails, NTSA logbook liens, CRB bureau checks, IFRS 9 ECL, CBK-ready regulatory evidence, and six role-specific portals — built to aerospace reliability standards.
Key Features
A complete financial OS — from first loan application to CBK examiner export — with Kenya-native rails baked in from day one.
Full Credit Lifecycle
Origination through write-off. Straight-through processing auto-decisioning, 14-day contestability windows, NTSA logbook lien anchoring for collateralised loans, construction escrow with milestone-gated tranches, and six-event repayment workflow covering scheduled, attempted, received, failed, reversed, and early-settlement paths.
Kenya-Native Rails
M-Pesa B2C and C2B settlement with production rail reference validation — synthetic references are structurally blocked. NTSA logbook lien anchoring. CRB bureau integration at origination. KRA eTIMS invoice submission. Airtel Money and bank transfer adapters included.
Embedded Insurance
Repo-protection automatically cross-quoted on every asset-finance and fleet-lease approval, priced from LTV with a 5% annual cap. NDVI satellite drought-signal integration for agricultural credit lines: three consecutive sub-0.3 NDVI observations from Sentinel-2 suppress disbursements or trigger restructuring.
Earned Wage Access (Mshahara)
Employer-integrated earned-wage-access with auto-approval capped at 50% of earned-but-unpaid wages. Repayment is triggered by payroll deduction acknowledgement from the employer, not a borrower payment. Multi-provider payroll adapter interface included.
Regulatory Evidence Portal
ECL/IFRS 9 expected-credit-loss computation and CBK-format export for the examiner portal. Full audit trail per write — every event carries actor, tenant, correlation, and causation IDs forming traceable event chains. Role-scoped read views for the regulator surface.
Event-First Audit
Every write emits an immutable CloudEvent through a transactional outbox — never mutated, fully traceable. Terminal-state guards make backward transitions structurally impossible. TOCTOU-safe with SELECT FOR UPDATE on every balance read-modify-write. Monetary precision via KesDecimal — no float arithmetic anywhere in the stack.
Technical Specifications
Domain Services
- 55+ Python microservices (uv workspace)
- FastAPI + Pydantic 2 + SQLAlchemy 2 async
- CloudEvents event-first architecture
- SpiceDB Zanzibar-model fine-grained RBAC
Portals
- LMS — loan officer, admin, collections, treasury, GL
- Superapp — borrower, SME, investor, marketplace
- Mobile — Expo React Native customer app
- Examiner Portal — regulator evidence, ECL, export
- Executive — CEO/CFO/CRO/board reporting
- Agent Portal — field, kiosk, biometric, local ledger
Quality
- 2,543 CI tests — 0 failures
- Property-based tests (Hypothesis, 200–500 examples/invariant)
- State machine proofs (TLA+-equivalent model checking)
- 100% terminal-state guard coverage — parametric proofs
Compliance
- Kenya Data Protection Act 2019
- CBK prudential reporting
- IFRS 9 Expected Credit Loss (ECL)
- KRA eTIMS integration
Run Situ for your institution
Regulated credit, insurance, marketplace finance — all on a single event-sourced platform built for East Africa. Contact us to discuss your deployment.