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Kenyan bonds · funds · money decisions
See the real math before you commit a shilling.
SWOna hesabu halisi kabla ya kutumia shilingi.
Thamanisha appraises Kenyan bonds, funds and money decisions — in English or Kiswahili — and shows you the numbers, with sources. The quant who explains, not the guru who pitches.
Education, not advice (Cap. 485A) · read-only access · delete your data anytime
Loading rate…CBK weekly auction
364-Day Treasury Bill
On KES 100,000KES —/yr
after 15% withholding tax · not a forecast
Financial coach
“Compare this week’s T-bill rate with your SACCO — and remember it locks your KES 100,000 for a year. Your school-term goal lands in 7 months.”
Your net worth
KES 0
across
3 accounts
Coach reply, net worth and accounts are examples. Educational analysis only — not advice. Cap. 485A.
EN & SW
built bilingual, every screen
CBK · DhowCSD
official sources, cited
KES 0
of your money we ever touch
The math, not a pitch.
Education, not advice (Cap. 485A)
The problem
Money sits idle while inflation eats it — and the scams keep coming.
Idle cash, eaten by inflation
Savings sit in low-yield accounts while inflation quietly erodes them. Most people never see the real return.
WhatsApp "plots & forex" scams
Remittances drained by guaranteed-return schemes that aren't on any register — and nobody checked.
DhowCSD is opaque
Buying a government bond should be simple. Instead it's jargon, forms, and no one teaching the decision.
Nobody teaches the framework. Thamanisha does the hard money admin of adult life — see everything, analyse the risk, decide, and act yourself — with the math made clear.
60-second demo
Run any pitch through the 5-Question Filter.
Answer five questions about an "opportunity." If too many land in the red, you have your answer — before a shilling moves.
Answer all five to see the verdict — 0 flags so far.
5-Question Filter0 / 5
1. Does it promise a guaranteed or fixed high return?
2. Are you paid to recruit other people?
3. Is the entity on the CMA / SACCO / BRS register?
4. Is the yield far above the market (e.g. 15%/mo)?
5. Are you pressured to pay before doing due diligence?
What you get
Four pillars, one calm system.
Appraise
Every new T-bill, T-bond & IFB explained — facts, illustration, the steps, risks, citations.
Protect
"Is this legit?" checks the CMA, SACCO, BRS & NEA registers and flags the scam patterns.
Plan
Upload your messy money life — receipts, M-Pesa, payslips — and we find the leaks, build the plan, and act.
Learn
The Kenya Investment Audit — the decision framework, taught in a cohort. Skills, never stock tips.
How it works
Carried, never stressed. Always in control.
1
Connect or ask
Link accounts read-only, or just ask the Financial Coach — in English or Kiswahili.
2
We explain, with the math
Plain-English breakdowns, real returns, citations. No claims, no hype, no "buy this."
3
You decide & act
We pre-fill and deep-link so your part is one genuine tap. Legal-now chores we just do — with Undo.
Why you can trust it
Proof, not promises.
Checked against live registers
Every "Is this legit?" runs the CMA, SACCO, BRS & NEA registers — the same public sources a regulator uses — and flags the scam patterns.
A citation on every number
No claim without a source. Tap any figure to see the CBK auction, DhowCSD prospectus or KNBS data it came from. The math, shown — never a pitch.
We never touch your money
Read-only access; your rights under the Data Protection Act 2019 built in — download or delete your data anytime. KES 0 of your money ever moves through us — you decide and act, on your own rails.
Read-only accessDownload or delete your data (DPA 2019)Citations on every claimEducation only · Cap. 485A
Pricing
Transparent. USD‑first, KES shown. No hidden fees.
Subscription + paid cohorts — never a wallet, never per-action charges. Free hooks stay free.
Annual: 2 months free
Free
$0
- Monthly market note
- Live scam-alert feed
- Real-return calculator
- Free Financial Coach (capped)
Most popular
Core
$120/yr
$10/mo · billed annuallySave $24/yr
- "Is this legit?" scam checks
- All auction alerts + explainers
- Full how-to library (DhowCSD)
- Document Intelligence & budgets
- Connected accounts & exposure
Plus
$340/yr
$28/mo · billed annuallySave $68/yr
- Everything in Core
- Guided-DIY bid walkthroughs
- Priority Coach, larger uploads
- Auto-invest — unlocks with our CMA licence
5-Question Filter
Tripwire
$19
Flagship cohort
8 modules + 3 clinics
$349 early-bird
The Audit Room
Community
$15 /mo
Anchor bundle
Cohort + community
$549
Trust & compliance
Why education-only protects you.
Until we’re CMA-licensed, Thamanisha gives impersonal, published, educational analysis — never "buy this," never a promised return. That boundary is what keeps you (and us) safe. Licence-gated features are built and visible, switched off until the day we’re licensed.
Read-only accessDownload or delete your data (DPA 2019)Citations on every claimCMA register links
Educational / published analysis only — not personalised investment advice, not a recommendation to buy/sell/hold, no returns implied. You make your own decision. (Capital Markets Act, Cap. 485A.)
For the diaspora
Invest home from abroad — with your eyes open.
Dual-currency net worth (KES + USD), FX-risk exposure, foreign-account connections, and due-diligence on diaspora land & property. The decision-anxious hard-currency buyer, finally given the math.
Start the AuditDIASPORA NET WORTH
USD
$0
KES
1.24M
38% FX
For Chamas & SACCOs
Transparency ledgers, contribution tracking and member dashboards for the underserved group-money market. Every recorded shilling is linked in a hash chain whose internal consistency members can check.
Talk to usFor developers
A public API + console: auction data, register checks, real-return calc, embeddable widgets, CRM push and white-label for advisers.
Get API keysFAQ
Straight answers.
No. Thamanisha gives impersonal, published, educational analysis only — it teaches you how to appraise and shows you your own data. It never says "buy X" or promises a return. (Capital Markets Act, Cap. 485A.)
No. Account connections are read-only. We never move, hold, or custody your funds. For investing, we pre-fill and deep-link so you take the final step yourself on DhowCSD.
We operate strictly within the education-only lane today. Licence-gated features (auto-invest, round-ups, done-for-you facilitation) are built and visible but switched off until we are CMA-licensed.
Any feature marked 🔒 "Coming soon — pending licence" is fully designed and built. It turns on the day our licence is granted — one flag-flip away.
We protect it and you stay in control. Data is encrypted in transit and at rest, connections are read-only, and accounting-connection tokens get a second layer of encryption. You can revoke any connection in one tap, and download or delete your data from Settings at any time. The Privacy Policy lists every company that processes your data, and where.
Appraise before you commit.
Free to start. No card. No one ever touches your money.