Kamoa: an evolution of secure scalable cloud technology

At Kamoa, we pride ourselves on being at the forefront of technological innovation, utilising an advanced serverless cloud tech stack that ensures unparalleled security, scalability, and efficiency.


Our infrastructure supports a seamless user experience on our mobile app, transforming user data into valuable insights that unlock growth for our partners.

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State-of-the-Art Security

State-of-the-Art Security

Security is our top priority. Our serverless cloud infrastructure uses the latest encryption and security protocols to protect user data.

Security is our top priority. Our serverless cloud infrastructure uses the latest encryption and security protocols to protect user data.

Encryption of data in transit and at rest

Continuous monitoring and updates

Advanced threat detection and prevention

Unmatched Scalability

Unmatched Scalability

Our serverless architecture scales effortlessly meaning there’s no limit to our reach and growth. Our containers adjust resources dynamically to maintain optimal performance:

Our serverless architecture scales effortlessly meaning there’s no limit to our reach and growth. Our containers adjust resources dynamically to maintain optimal performance:

Handling hundreds of thousands of financial documents

Managing peak spikes in user activity

Maintaining fast, reliable, and efficient service even under load

Cutting-Edge Technology and

Machine Learning

Cutting-Edge Technology and Machine Learning

We leverage the latest in technology and machine learning to capture user data through innovative methods, such as dynamic financial questionnaires and interactive gamified data collection within our app experience.

This rich but unstructured data is featurised into structured, actionable insights for our partners through advanced techniques including trend and cohort analysis.

Seamless Data Integration

Seamless Data Integration

Our infrastructure integrates seamlessly with core banking systems and other APIs. Key capabilities include:

Our infrastructure integrates seamlessly with core banking systems and other APIs. Key capabilities include:

Automated data integration

Real-time data consumption and supply

Enhanced user experiences with real-time offers and rewards

In-Depth Data Analysis

In-Depth Data Analysis

We analyse user behaviour to improve our platform continuously to:

Understand user interactions and engagement

Refine features and build an exciting UX

Deliver personalised experiences.

Empowering Users and Partners

Empowering Users and Partners

Our goal is to demystify credit scoring and empower users with control over their creditworthiness.

Understand user interactions and engagement

Refine features and build an exciting UX

Deliver personalised experiences.

Kamoa’s advanced tech stack and data capture and handling capabilities keeps us at the cutting edge of technology. 


We deliver secure, scalable, and innovative solutions that benefit both users and partners. At Kamoa, we are committed to transforming the financial landscape and empowering our users every step of the way.

Kamoa’s advanced tech stack and data capture and handling capabilities keeps us at the cutting edge of technology. 


We deliver secure, scalable, and innovative solutions that benefit both users and partners. At Kamoa, we are committed to transforming the financial landscape and empowering our users every step of the way.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Company

About Us

Kenya

Nigeria

Lenders

TrustScore

Refer a friend

scalable technology

Policy

Terms and Conditions Kenya

Terms and Conditions Nigeria

Privacy Policy Kenya

Privacy Policy Nigeria

Delete my data

Frequent Asked Questions

Your Data

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Company

About Us

Kenya

Nigeria

Lenders

TrustScore

Refer a friend

scalable technology

Policy

Terms and Conditions Kenya

Terms and Conditions Nigeria

Privacy Policy Kenya

Privacy Policy Nigeria

Delete my data

Frequent Asked Questions

Your Data

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Company

About Us

Kenya

Nigeria

Lenders

TrustScore

Refer a friend

scalable technology

Policy

Terms and Conditions Kenya

Terms and Conditions Nigeria

Privacy Policy Kenya

Privacy Policy Nigeria

Delete my data

Frequent Asked Questions

Your Data

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.