Investor programme · Tanzania
Earn from real credit,
not speculation.
Deploy capital into curated, risk-graded microloan pools and earn predictable monthly returns of 12–24% per year. Full transparency, monthly statements, withdraw any time.
Returns estimator
How much could you earn?
Illustrative. Returns vary by pool performance and default rates.
Why Kopafasta
A new kind of investment account.
Backed by real loans to vetted Tanzanians. Repaid every month. No middlemen, no hidden fees, no lock-ups beyond the loan tenor.
Asset-backed underwriting
Every loan is screened through 9 risk signals: CRB history, M-Pesa flows, employment proof, and (for asset loans) collateral with GPS tracking.
Loan-level transparency
See exactly which borrowers your money is funding, repayment history, and default events — in real time.
Multi-channel funding
Top up via bank transfer, M-Pesa, Airtel Money, Tigo Pesa or USDC stablecoin. Withdraw to any of the above.
Monthly statements
Audited statements + Tanzanian tax-ready summaries delivered on the 5th of every month.
Auto-invest engine
Set your risk preference once. New deposits are automatically allocated across matching pools.
Dedicated support
Tanzanian phone & WhatsApp support during business hours. Account managers for portfolios above TZS 10M.
Pool marketplace
Four ways to deploy capital.
Each pool is a basket of similar loans, risk-graded and continuously rebalanced. Mix and match to build a portfolio that matches your appetite.
Salary loans
Short-term advances to vetted salaried employees of registered companies.
Business SME
Working capital and inventory loans to growing Tanzanian SMEs.
Car & asset
Vehicle-backed loans with GPS tracking and registration retention.
Emergency
Short-tenor advances. Highest yield, elevated risk.
How it works
From sign-up to first return in four steps.
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1
Open your account
Register in under a minute with email, phone & ID. Verified instantly via NIDA.
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2
Top up your wallet
Deposit via bank, M-Pesa, Airtel, Tigo or stablecoin. Funds available immediately.
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3
Pick your pools
Browse the marketplace or let auto-invest allocate based on your risk preference.
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4
Earn monthly
Returns paid on the 1st of each month directly to your wallet. Withdraw or compound.
Track record
Twelve months. Audited.
Independent KPMG-audited portfolio performance. Updated every quarter — no marketing math.
Choose your path
Individual or institutional?
Two programmes, one underlying credit book. Pick the one that fits your scale and reporting needs.
Individual investor
Best for retail savers, professionals and small businesses looking for predictable monthly income.
- ✓ Start from TZS 50,000
- ✓ Self-service web & mobile app
- ✓ Standard monthly statement
- ✓ Withdraw any time (subject to tenor)
Capital partner
For banks, MFIs, DFIs, family offices and asset managers deploying USD 50,000 or more.
- ✓ Custom risk-graded pools & SPVs
- ✓ Dedicated relationship manager
- ✓ Loan-level reporting & API access
- ✓ Audited monthly NAV statements
What investors say
Stories from our investor community.
"I used to keep my savings in a fixed-deposit earning 7%. With Kopafasta I average 18% — and I can see exactly where my money is working."
"The auto-invest feature is a game changer. I set my preferences once and my returns just compound every month."
"The monthly statements and tax summaries make my accountant happy. Best investor experience I have used in Tanzania."
Common questions
Things investors usually ask.
Put your savings to work today.
Open an investor account in under a minute. No fees to sign up.