Accelerate your growth. Jaza helps informal businesses — from mama mbogas to boda riders — track income, build healthy savings habits, and unlock access to affordable credit, all driven by real transaction data.
To empower small and informal businesses with tools that improve financial visibility and encourage behavior-based savings, paving the way for fair, data-driven credit.
We start by solving the biggest problem for this segment: lack of visibility into daily cashflow. Without it, saving and borrowing sustainably is nearly impossible.
- Daily Income Tracking — Manual entry + automatic M-Pesa Till inflow tracking.
- Analytics Dashboard — View income trends, digital vs cash split, and projections.
- Savings Jar — Save manually towards a goal.
- Micro-Coaching — Context-aware tips and nudges to improve business finances.
- Jaza Credit — Stock or fuel top-ups with partial savings requirement and repayment via small daily deductions.
- Auto-Savings — Fixed % of income automatically transferred to savings.
- Marketplace — Connect to relevant wholesalers or suppliers based on business type.
- Admin Dashboard — Internal tool to manage users, transactions, and credit approvals.
| Layer | Technology |
|---|---|
| Frontend | Next.js (TypeScript) |
| Backend API | FastAPI (Python) |
| Database | Supabase (PostgreSQL) |
| Hosting | Vercel (frontend), Railway (backend) |
| Auth | Supabase Auth |
| Payments | M-Pesa Daraja API |
jaza/
├── backend/ # FastAPI backend
│ └── app/
│ ├── api/ # API endpoints
│ ├── models/ # Database models
│ ├── services/ # Business logic
│ └── main.py
├── frontend/ # Next.js frontend
│ ├── pages/
│ └── components/
├── docs/ # Product & system docs
│ ├── system-design.md
│ ├── product-roadmap.md
│ └── pitch-deck.md
├── README.md
- Node.js (v18+)
- Python (3.11+)
- Supabase account
- M-Pesa Daraja sandbox or production credentials
git clone https://github.com/yourusername/jaza.git
cd jazaCopy .env.example to .env in both frontend/ and backend/ folders, then update with your own credentials.
Example (backend .env):
SUPABASE_URL=your_supabase_url
SUPABASE_SERVICE_ROLE=your_service_role_key
SUPABASE_JWT_SECRET=your_jwt_secret
MPESA_CONSUMER_KEY=your_consumer_key
MPESA_CONSUMER_SECRET=your_consumer_secret
MPESA_CALLBACK_BASE_URL=https://your-ngrok-or-production-urlBackend
cd backend
pip install -r requirements.txt
uvicorn app.main:app --reloadFrontend
cd frontend
npm install
npm run devFrontend: https://jaza.vercel.app Backend: Hosted on Railway (private API)
- Implement Jaza Credit feature with automated repayment.
- Add supplier/marketplace integration by business type.
- Introduce auto-save rules linked to income patterns.
- Enhance micro-coaching with AI-driven personalization.
- Launch Android app for offline-first use.
We welcome contributions, especially from developers familiar with financial systems, mobile payments, and data-driven coaching. Fork the repo, make your changes, and submit a pull request.