SACCO, Chama & banking support, on autopilot.
Aryyo Finance is a ready-to-deploy WhatsApp assistant for banks, SACCOs, and microfinance institutions — pre-configured for balance queries, loan status, M-Pesa confirmations, and dividend information. Connect your core systems, and go live in days.
Balances, loan status, and M-Pesa confirmations — answered instantly.
Aryyo Finance queries your core banking or SACCO management system directly, verifies the member's identity, and responds in plain language — in English or Swahili.
Everything your members ask, answered out of the box.
Aryyo Finance comes pre-configured for the conversations members and customers actually have — from a balance check to a dividend payout.
Accounts & balances
- What is my current account or savings balance?
- How much have I contributed or saved this year?
- When was my last deposit received?
- Send me a mini-statement for the last 6 months.
Loan queries
- What is my outstanding loan balance?
- When is my next loan repayment due and how much?
- What is my loan repayment schedule?
- What is my loan account statement?
Loan application status
- I applied for a loan two weeks ago — what is the status?
- What documents are still outstanding on my application?
- What is the maximum loan I qualify for right now?
Payments & confirmations
Customers pay via M-Pesa and message the confirmation code — Aryyo Finance verifies receipt against your payments system and confirms instantly. Proactive repayment reminders go out 3 days before a due date, with no staff effort required.
- I paid via M-Pesa this morning — has it been received?
- Send me a reminder before my next repayment is due.
Products & branch information
- What are your loan and savings interest rates?
- What accounts and loan products do you offer?
- What are the requirements to apply for a loan?
- Where are your branches and what are your opening hours?
Dividends, interest & rebates
- What dividend was declared for this financial year?
- What interest rate applies to my savings account?
- When will dividends or interest be paid out?
- How much will I receive based on my shareholding or balance?
Live in days, not months.
Aryyo Finance is a packaged product, not a custom build. Connect your systems, add your specifics, and go live.
- 1
Connect your systems
Link your core banking platform, loan management system or SACCO management software, and M-Pesa payment API.
Day 1
- 2
Configure your assistant
Add your institution's products, rates, branch information, and policies. Aryyo Finance is pre-trained on member and customer conversations — you just add your specifics.
Day 2–3
- 3
Go live on WhatsApp
Connect your WhatsApp Business number. Customers and members start using it from day one — no onboarding required on their end.
Day 4
Most institutions are live within a week.
Built for sensitive financial data.
We understand that customer and member financial data is sensitive, and Aryyo Finance is built with this in mind from the ground up.
Read-only by default
The AI agent has no ability to modify account data, process transactions, or approve applications. It retrieves and reports; it does not write.
Customer verification
Before returning account information, Aryyo Finance verifies identity using a registered phone number, ID number, account or membership number, or PIN — configurable to your security policy.
Encrypted credentials
All API keys and system credentials are stored with AES-256-GCM encryption.
No data storage
Aryyo Finance does not retain customer financial data beyond the conversation session — data is queried live and returned to the customer.
SSRF protection
All outbound API calls are validated to prevent any form of system abuse.
Audit trail
Every query is logged with a timestamp, customer identifier, and query type for compliance records.
Aryyo Finance
Bring your bank or SACCO
into the conversation.
No payment required during the pilot. See the results before you commit — typically live within a week.