Explainable Consent-driven Partner-ready

A simple, explainable Trust Score for better decisions in Kenya.

M-KUWA is a partner-led trust and access infrastructure. For consumers, we provide an easy-to-access Trust Score they can view, understand, and improve. With user consent, we convert everyday signals into an explainable score and supporting verification indicators that partners can rely on as an auditable input for faster, fairer decisions.

M-KUWA is not just a number — it is a system: scoring, transparency, dispute resolution, and partner processes that make the score usable in real decision workflows.

Request a demo See what we offer

Faster

Decisioning

Safer

Risk control

Broader

Coverage

Trust Score

Partner view (example)

Explainable

Score

742

Band

Near-prime

Top reasons

Stable cashflow pattern
On-time repayment behaviour
Good savings resilience

Bands

Prime Near-prime Emerging High risk Very high risk / insufficient data

Sub-scores (0–100)

Identity & Stability Cashflow Health Repayment Behaviour Savings & Resilience Digital Engagement & Transparency

Practical

Built for real decision workflows: approve, approve with conditions, or route to review.

Consistent

A standardised score partners can threshold, price, and monitor over time.

What M-KUWA is

M-KUWA is a trust and access infrastructure built for Kenya: a portable, consent-driven trust profile that helps partners reduce uncertainty and make better decisions — especially for thin-file or credit-invisible customers. We operate as Business-to-Business-to-Consumer (B2B2C): we integrate with organisations that already serve large user bases, and deliver a consumer-facing Trust Score experience through them.

A user-visible trust signal

The M-KUWA score is a transparent trust signal a user can see, understand, and improve — and a partner can use responsibly in a defined decision. It is not a judgement of someone’s worth.

Portable profile

The Trust Score belongs to the individual. They choose when to share it with a partner (purpose-bound and time-bound), across finance, housing, employment, and platforms.

Explainable by design

Not a black box. Every score comes with sub-scores, top drivers, and clear actions — so users and partners can interpret results and defend decisions.

What M-KUWA offers

Everything is designed to be simple for teams to adopt: a clear output, a user-controlled sharing flow, and a practical onboarding path that works in pilots now and integrates deeper later.

1) Partner-ready Trust Score output

• Score + band + sub-scores + decision indicators

• Confidence indicator (so you can handle thin files responsibly)

• By default: partners receive the score and indicators, not raw transactions (unless explicitly agreed)

2) Consumer-first score access

Consumers can view their Trust Score instantly, understand what helps or hurts it, and see practical actions to improve. When they’re ready, they can share their profile with your team using a link or QR (Quick Response) code.

3) Dashboard now, API later

Start with a simple dashboard workflow. When you’re ready, move to an API (Application Programming Interface) integration for underwriting, tenant screening, or HR (Human Resources) flows.

How M-KUWA fits into your workflow

User consents and shares profile

You receive score + band + indicators

You decide with consistent thresholds

Why partners trust M-KUWA

Trust scoring only works if partners can defend decisions and users feel safe sharing data. M-KUWA is built around explainability, consent, and partner adoption.

Consent-driven by design

Partners access scores only with explicit user permission — purpose-bound, time-bound, and minimised. M-KUWA is not a surveillance product: user control and data minimisation are core requirements.

Explainable outputs

Clear drivers and confidence indicators — so teams can interpret results, explain outcomes to users, and justify decisions internally.

Kenya-first practicality

Built for Kenya’s real data rails (mobile money and bank statements, partner records, verified proofs) — not only traditional credit histories.

What we do (and don’t do)

M-KUWA provides scoring and decision support — not lending. We provide a signal, not the decision. We do not run a hidden blacklist and we do not penalise people for lawful personal beliefs or behaviour.

Request a demo

Tell us your use case (finance, housing, employment screening, marketplace risk). We’ll show you the Trust Score output (including confidence and top drivers) and how it fits into your workflow.

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