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Auto-track every payment
Every M-Pesa transaction is captured and sorted automatically. No manual entry.
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See your patterns
Monthly reports, weekly summaries, and spending trends — all in one place.
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Smart budgets
Set category budgets manually or let m0xy suggest them based on your actual spending history.
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Merchant QR payments
Businesses generate a QR code. Customers pay via M-Pesa — app or browser.
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Chama management
Run your group savings with full transparency — contributions, expenses, and accountability built in.