USKWAME — Keeping You Moving

The Human Problem

Stuck because of fare?

Sometimes the only thing standing between someone and where they need to be is today's fare. USKWAME is designed around that everyday gap.

KES 50–200 can be small to a lender — but decisive to a commuter.

You may have money coming, but not today. The journey cannot wait — whether it is getting to work, home, an interview or delivering goods.

✓ Get to work or school on time

✓ Attend an urgent job interview

✓ Transport vital inventory for business

✓ Get home safely after a long day

The USKWAME Thesis

A small bridge. A big difference.

USKWAME gives people access to fare when they need it — and rewards responsible use with a growing limit.

FARE → TRANSACTION → REPAYMENT → DATA → TRUST → CREDIT → COMMERCE Every journey can become a financial signal.

Market Opportunity

Kenya already has the network.

USKWAME does not need to build the transport network. It connects the financial layer to it.

71,980

PSV licenses issued
Official NTSA Economic Survey data

15.6%

Transport inflation yoy
Increasing pressure on commuters

KES 120+

Average peak city fare
Example: Kasarani to Town routes

MARKET EQUATION: VEHICLES × ROUTES × DAILY TRIPS × FARES × COMMUTERS The opportunity is not one journey. It is every single journey.

Product Model

A small bridge. A growing financial relationship.

The initial product creates a simple journey from registration to fare access, payment and responsible limit growth.

STEP 01

Register

App, web or USSD

STEP 02

KYC

Quick verification

STEP 03

Get Fare

Up to KES 200 pilot

STEP 04

Pay Fare

Direct payment

STEP 05

Limit Grows

Transaction history

Transport Mechanics

Start with fare support and extend into the broader transport financial infrastructure.

Fare SupportMerchant WalletsDriver CreditFuel FinancingVehicle MaintenanceInsurance

Responsible Growth

Every transaction builds behavioural history. Responsible use can translate into a growing limit and deeper financial relationship.

KES 10 TRANSACTION FEEThe pilot economics are designed around frequent, low-value mobility transactions.

Growth Expansion

Start with matatus. Build for mobility.

The roadmap expands across the transport network as USKWAME develops its financial infrastructure.

Phase 1

Matatus

Initial transport network and fare use case.

Phase 2

Boda Bodas

Extend everyday mobility access.

Phase 3

Cabs

Expand payment and financing rails.

Phase 4

Buses

Broaden network participation.

Phase 5

SGR / Intercity

Build toward wider mobility finance.

See USKWAME in Action

Built to be experienced, not just explained.

The investor presentation identifies web and app product prototypes for exploring the USKWAME experience.

App Demo

Experience the mobile application interface and fare-support simulation.

Launch App Demo ↗

Demo links are provided as product-prototype destinations; transaction outcomes may be simulated.

Mobility Media

Every journey creates an audience.

USKWAME can provide a permission-based communication channel for brands targeting commuters on the move.

User-Controlled Flow

1 User registers and selects interest categories

2 Opts into relevant brand communications

3 Advertisers target reach via dashboard

4 Automated push/SMS engagement and reporting

Target Categories

AgricultureTelecomsSportsFMCGFuelInsuranceFintech

Strict Privacy Principle: permission-based, user-controlled and measurable. No personal data sale.

Unit Economics

KES 10 can create a business.

The presentation illustrates a transaction-fee model built around high-frequency, low-value mobility transactions.

Illustrative Transaction-Fee AllocationAmount

Tax & StatutoryKES 1.60

Cloud InfrastructureKES 2.00

Operations & SupportKES 2.40

Capital / Working PoolKES 4.00

Total Transaction FeeKES 10.00

First-Month Target Model

KES 300,000

10,000 users × 3 transactions × KES 10 = KES 300,000 monthly gross fee revenue.

Illustrative only. Excludes advertising, merchant services and partnership revenue streams.

Seed Investment

KES 5M

Our first raise.

Offering 40% equity · Implied post-money: KES 12.5M · Pre-money: KES 7.5M

Proposed early-stage investment structure subject to due diligence and definitive legal agreements.

Setup & Compliance (10%)KES 500,000

Credit Limit Pool (60%)KES 3,000,000

Marketing & Growth (30%)KES 1,500,000

Growth Projections

From 10,000 users to a transport network.

Illustrative management scenarios presented in the investor deck.

6 Month Scenario

50,000 Users

150k monthly trips

KES 1.8M run-rate

1 Year Scenario

150,000 Users

450k monthly trips

KES 54M annualised run-rate

5 Year Scenario

1,000,000 Users

4M monthly trips

KES 480M annual gross revenue

Illustrative management scenarios based strictly on transaction fees; excludes advertising, merchant services, financial-services partnerships and fleet finance.

Why USKWAME

Transport becomes a financial relationship.

01 — FINANCIAL DATA

Every transaction builds history.

Everyday transit can become an actionable credit and financial signal.

02 — RISK & INSURANCE SIGNALS

Mobility creates useful signals.

Transport participation generates signals around vehicles, drivers, routes and repayment habits.

03 — DAILY-LIFE UTILITY

People travel every single day.

Frequency creates transactions, transactions build trust, and trust unlocks deeper relationships.

04 — FACILITATING COMMERCE

Connect the transport ecosystem.

Bring commuters, drivers, conductors, SACCOs, merchants and brands into one mobility finance ecosystem.

We're building the financial layer for how Kenya moves.