MSME
Studio
Contract-to-cash · Dispute resolution · Marketplace
Turning 7.4 million Kenyan MSMEs from invisible-to-credit to legible-and-bankable — through a WhatsApp-native contract-to-cash rail anchored by a dispute resolution layer that closes the trust loop.
7.4M
Kenyan MSMEs — the primary addressable market
$5.2T
Global MSME finance gap (IFC estimate) — the Global Majority reference case
3
Unified product surfaces: Handshake, Haki, BoxCommerce
01 · The product
One platform. Three surfaces. One conversation thread.
A WhatsApp-native contract-to-cash rail. Inside one conversation thread: sign a legally enforceable contract, generate an invoice, receive a KRA eTIMS tax receipt, trigger an M-Pesa payment, confirm the close. Each transaction event creates structured data that contributes to the user's financial identity.
An MSME with 24 months of active use holds a richer, more verifiable financial record than most formal-sector businesses carry anywhere.
Dispute resolution. When a contract breaks down, Haki opens the dispute case directly from the Handshake conversation thread — same user, same identity, same evidentiary record. AI-assisted intake, adjudication intelligence trained on patterns from Phase 1, escalation pathways to formal arbitration where required.
The transition from contract to dispute is a designed UX moment, not a handoff to a separate platform.
The marketplace surface. Where Handshake and Haki provide the rails, BoxCommerce is the consumer-and-supplier surface — making the jua kali, mama mboga, and broader informal-trade economy transactable on those rails.
Kuinua means "to lift up" in Swahili — the upward mobility layer of the MSME stack.
02 · The data flywheel
Each transaction compounds the user's financial identity and the platform's intelligence.
Contract data informs dispute patterns
↓Dispute patterns inform adjudication intelligence
↓Adjudication outcomes inform credit signal
↓Credit signal triggers access to capital
↓Capital access compounds the user's financial identity
↓Stronger identity generates more verifiable contracts
03 · Partners already at the table
KCB
Anchor commercial bank — credit signal consumer and underwriting partner
NCBA
Banking partner — design partner for the credit loop
Aqua for All
Impact monitoring / credit portfolio partner
MSEA
Micro and Small Enterprises Authority — policy track and National SME Census
Space AI
Impact monitoring / pitch deck collaboration
KRA
eTIMS tax receipting integration
Safaricom (M-Pesa)
Payment trigger integration
Office of Tech Envoy
Policy alignment
Working with Kenyan MSMEs, credit providers, or policy bodies? MSME Studio is designed for you.