Turn Your Hustle Into a Financial Identity
An AI-powered fintech for Kenya's gig workers. Save from as little as KSh 10 a day, forecast your income, and build alternative-data credit that replaces the payslip. No bank account needed—just an M-Pesa number.
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Quick & secure access to your financial dashboard
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Quick & secure access to your financial dashboard
The Problem
of Kenya's new jobs in 2024 were informal—17.4M workers, plus 0.9M people with disabilities, locked out of credit, insurance, savings, and fair gig work.
Source: KNBS Economic Survey 2025 · 20.8M total workforce, 17.4M informal
"I can earn KSh 600 today and nothing tomorrow. No bank will give me a loan. No insurer will cover me."
No Credit Access
No payslips means no loans.
→ Jasho builds an alternative-data credit identity.
Income Volatility
Voluntary saving fails when income swings.
→ AI nudges involuntary standing-order saves.
No Safety Net
No insurer will cover informal earners.
→ Income protection underwritten on verified Jasho data.
No Gig Pipeline
Few jobs, and PWDs are excluded entirely.
→ A verified-worker marketplace, built accessibility-first.
Built for Every Hustler
From street vendors to online freelancers, Jasho empowers all types of gig workers across Kenya
Mama Mboga
Grace
Selling fresh vegetables at the market
Software Developer
James
Building apps and websites
Content Writer
Amina
Creating engaging content online
Boda Boda Driver
David
Transporting passengers across the city
Delivery Rider
Kevin
Delivering packages and food
Graphic Designer
Wanjiru
Creating visual designs for clients
Everything You Need to Power Your Hustle
Jasho combines AI technology with deep understanding of gig work to give you financial tools that actually work for your lifestyle.
Smart Wallet
Save from as little as KSh 10 a day and withdraw to M-Pesa instantly. No minimums, no lock-ins.
AI Income Forecasting
Predictive models flag income dips weeks ahead and nudge you to save before the lean months hit.
Credit Identity
Alternative-data scoring built on your M-Pesa and savings patterns—replacing the payslip and unlocking credit.
Automated Savings
Standing-order saves that actually stick. Our data shows involuntary saving beats willpower.
Income Protection
Access affordable health, accident, and income-protection cover—underwritten on your verified Jasho data.
Gig Marketplace
A verified-worker marketplace that connects you to fair gig work and new opportunities when income drops.
Built for Everyone
Voice navigation, screen-reader support, and full English & Kiswahili—designed accessibility-first.
No Bank Needed
Get started with just an M-Pesa number. No paperwork, no branch visits, no minimum balance.
How Jasho Works
Get started in four simple steps and take control of your financial future.
Sign Up in Minutes
Create your account and connect your M-Pesa. No paperwork, no hassle.
Track Your Income
Log all your hustles—from boda boda rides to mama mboga sales. Our AI learns your patterns.
Build Your Score
As you track income, your Hustle Trust Score grows, unlocking loans and insurance.
Grow Your Business
Use forecasts to plan ahead, save automatically, and access credit when you need it.
Traction
Not theoretical—a working product with real backing
A live MVP, real users in Nairobi, institutional support, and validated demand.
Absa GirlCodeHack 2025 — Kenya National Winner
Selected from 112 Kenyan teams and a Pan-African finalist.
Absa Kenya Foundation & ALX Founders Academy
8-week incubation focused on launch and capital readiness.
Patent pending — under KIPI review
Covering income forecasting and alternative-data credit.
Real users onboarding in Nairobi
A working MVP with early retention already validated.
Standing orders beat voluntary saves
Validating automated savings as our core retention driver.
Impact
Built for Impact
Jasho's business model is aligned with four UN Sustainable Development Goals.
No Poverty
17.4M informal workers earn without safety nets (KNBS 2025). Jasho gives them tools to save from KSh 10 a day and build financial buffers.
Decent Work & Economic Growth
90% of Kenya's new jobs in 2024 were informal (KNBS 2025). Jasho turns informal work into a credible economic identity.
Reduced Inequalities
Only 18.3% of Kenyans are financially healthy (FinAccess 2024), and a third of the 'included' have no path to credit or insurance. Jasho closes that gap.
Gender Equality
60%+ of Jasho's beta users are women. FinAccess 2024 shows only 46.5% of women hold banking products versus 58.9% of men—Jasho is built for that gap.
Ready to Power Your Hustle?
Join Kenya's gig workers building a real financial identity with Jasho. Start saving from KSh 10 a day—no bank account needed, just your M-Pesa number.