M-Pesa Credit Score
Know your M-Pesa
credit score in seconds.
Upload your M-Pesa statement PDF. We analyze six dimensions of your mobile-money behavior and return a credit risk score between 300 and 850.
Upload statement
Processed in memory · never stored
Higher riskLower risk
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What we score
Six dimensions of behavior
Your score is built from six independently-weighted signals from your statement.
Cash flow25%
Net inflow stability
Velocity20%
Transaction rhythm
Credit20%
Loan repayment patterns
Savings15%
Reserve behavior
Spending10%
Outflow categories
Network10%
Counterparty diversity
How it works
Three simple steps
01
Upload
Drag in your password-protected M-Pesa statement PDF (up to 10 MB).
02
Analyze
We parse your transactions and score cash flow, credit, savings, and spending.
03
Result
Get a 300–850 score, red flags, and a loan-size recommendation.
Your statement is never stored.
We process your PDF in memory and discard it immediately. We do not log passwords or transaction contents. This is a decision-support tool — not a regulated credit bureau score.
In-memory processingNo transaction loggingNo password storage