Mobility-finance infrastructure for African transport.
JazaGo lets verified drivers, riders and fleets fuel now and repay later via M-Pesa — at trusted partner stations, with real risk controls, real-time settlement and a behavior-based trust score.
Drivers run dry. Stations lose sales. Fleets lose trips.
Cash-only fueling
Boda riders and PSV drivers buy fuel in tiny daily increments. A single dry tank means lost trips and lost income.
No formal credit history
Most mobility workers are invisible to banks. Informal lenders charge 20-30% per week with no transparency.
Stations carry the risk
Stations that extend manual credit absorb fraud and default with no central system, no scoring, no recourse.
A fuel-now, pay-later rail with banking-grade controls.
JazaGo connects the driver, the station and the lender (Westload Credit) into one verified loop — KYC-gated credit, QR-authorized fueling, 7-day M-Pesa repayment, and a trust score that grows with on-time behavior.
KYC-gated access
National ID, license, selfie and vehicle docs verified before any credit is issued.
QR-authorized fueling
10-minute single-use QR. Operator scans to unlock the pump for the right amount.
M-Pesa repayment
STK push initiated in-app. Idempotent, signed callbacks. No double charges.
Behavior trust score
On-time repayments raise the limit. Late or failed repayments lower it.
A six-step loop. Every step audit-logged.
- 01
Sign up & verify
Phone OTP login. KYC submission with documents and selfie. Approval gates fuel access.
- 02
Request fuel
Pick station, pump and litres. Trust score and approved limit are snapshotted on the request.
- 03
Generate QR
Single-use, station-bound QR with a 10-minute expiry. Cannot be reused or moved between stations.
- 04
Operator authorizes
Assigned station operator scans, validates and unlocks the pump. Wrong station / expired QR is rejected.
- 05
Mark complete
Operator confirms fueling. Repayment row is created atomically with a 7-day due date.
- 06
Repay via M-Pesa
STK push from the receipt screen. Signed callback updates state. Trust score updates on outcome.
Risk controls a bank would recognize.
Fuel and repayment surfaces are blocked until KYC is approved. Resubmission flow handles rejections.
Single-use, station-bound, time-limited QR codes. Scans at the wrong station are logged and refused.
Only admin-assigned operators can authorize a station. Auto-claim is off outside explicit demo mode.
Every STK push carries an idempotency key. Duplicate Safaricom callbacks cannot double-credit a balance.
Repayments, QR sessions and fuel requests stream over realtime — operators and customers see status live.
Every state change writes to audit_logs: KYC, operator assignment, QR scans, STK callbacks, trust events.
Settlement that explains itself.
- Fueling completion creates a pending repayment with a 7-day due date.
- Customer initiates STK push from the receipt screen.
- Signed Safaricom callback hits /api/public/mpesa-callback.
- apply_mpesa_repayment updates paid_kes atomically; partial → success.
- Trust score event fires: +15 on-time, +5 late, −30 failed/defaulted.
Limits and risk band are snapshotted on every fuel request, so historical decisions stay explainable even after a score moves.
Verified pumps. Assigned operators.
The pilot opens with 12 partner stations across Nairobi, Mombasa, Kisumu, Nakuru and Eldoret — across Shell, Rubis, TotalEnergies, Ola Energy and Galana brands. Each station has a named operator account and a published queue + price-per-litre.
Believable. Pilot-scale. Pilot-honest.
Indicative metrics for the closed Nairobi pilot. Numbers update from live backend data once the pilot opens to verified drivers.
What's already built and proven.
A licensed credit partner behind every fueling.
Westload Credit underwrites the working-capital line that powers every JazaGo fueling. Drivers see calm, simple repayment. Stations get paid on a clean settlement schedule. Lenders see a transparent, scored book.