Polymark LedgerPortfolio overview
LiveMembers12,480
Loan bookUGX 4.2B
PAR 303.1%
- Loan #LN-2291 approved
- Deposit via MTN MoMo posted
- Trial balance reconciled
Fintech & software · Kampala, Uganda
Financial infrastructure and software,built for Africa.
HobSphere Solutions builds the core platforms that SACCOs, lenders, schools, hospitals and associations run on — with payments, messaging and AI woven through every one.
- Mobile money native
- Multi-tenant cloud
- Local support
Integrated with the rails your customers use
MTN Mobile MoneyAirtel MoneyWhatsApp BusinessPegasusBank APIsCore banking
Flagship products
Platforms organisations run their day on.
Each product is live, supported and built on the same engineering foundation — so they work together from the start.
Polymark Ledger runs the entire institution — members, savings, shares, loans and a double-entry general ledger — for one SACCO or a whole network of them, with mobile money built in and certified receipts members can verify.
HobSphere SMS delivers alerts, OTPs, reminders and campaigns across Ugandan networks, with smart routing, delivery reports and a clean REST API — or a web console for teams that never touch code.
SchoolSphere gives head teachers, bursars, teachers and parents one system: admissions, fees collected over mobile money, attendance, exams and report cards, timetables and staff — with parents kept informed by SMS.
CareSphere connects registration, clinicians, laboratory, pharmacy and billing around one patient record, with real-time dashboards that show management what is happening on every ward.
ScoutLink keeps a national scouting association’s registry in one place — members, units, leaders, badges, events and annual census — so leaders spend time with scouts, not spreadsheets.
AI & Machine Learning
We don’t just talk about AI.We ship AI that works in production.
AI that improves credit decisions— inside the systems you already run.
Credit scoring & risk models
Machine-learning scorecards that combine bureau, transaction and mobile money behaviour into explainable credit decisions in milliseconds.
AI assistants & agents
Retrieval-augmented assistants that answer customers and staff from your own policies and products — on WhatsApp, the web and inside back-office systems.
Decision intelligence
Dashboards and models that turn operational data into forecasts, early warnings and recommended actions for management.
Computer vision
Number-plate recognition and video analytics that identify vehicles and events automatically and feed them into business workflows.
Document & knowledge AI
Extract, classify and search the documents institutions run on — applications, IDs, policies and reports.
Private LLM deployments
Large language models hosted on your own servers or private cloud, with access control and audit, for organisations that cannot send data outside.
The portfolio
5 product families. One standard.
From the general ledger to the classroom register, every HobSphere product shares the same security model, integrations and support desk.
Financial Services
Core platforms for SACCOs, MFIs, banks and payments.
Associations & Public Sector
Membership, workforce and public infrastructure systems.
Customer Engagement
Messaging and AI channels that reach every customer.
Need something we don’t list?
Our engineering team designs and builds custom systems on the same foundation.
Custom software servicesSolutions by industry
Built around how your sector actually works.
SACCOs & Microfinance
Run a modern SACCO without the paperwork.
See the solutionBanks & Lenders
Digital lending and integration for ambitious banks.
See the solutionSchools
One platform for the whole school.
See the solutionHospitals & Clinics
Connected care, from front desk to discharge.
See the solutionAssociations & NGOs
Know every member, everywhere.
See the solutionGovernment & Infrastructure
Digital public services that collect and account for every shilling.
See the solutionWhy HobSphere
Serious software for organisations that handle other people’s money, records and trust.
We are a product company with an engineering team on the ground: proven platforms, local accountability and the ability to adapt when your operations demand it.
10+Products in production
6Industries served
24/7Platform monitoring
100%Built and supported in-house
Built here, for here
Mobile money, local regulation and patchy connectivity are design inputs from day one, not afterthoughts.
Security by default
Encryption, role-based access, maker-checker approvals and full audit trails in every product.
One team, end to end
The engineers who design your system build it, deploy it and answer when you call support.
AI where it pays
Machine learning and assistants applied to real decisions — credit, service, operations — and measured.
How we work
From first conversation to long-term partner.
- 01
Discover
We learn how your organisation works today and what must change.
- 02
Design
Workflows, data and screens agreed with your team before we build.
- 03
Build
Configured products and custom work delivered in short, visible iterations.
- 04
Launch
Data migration, training and a supported go-live.
- 05
Support
Monitoring, upgrades and SLA-backed support for the long term.
Case studies
All case studies
Work in the field.
SACCOs & Microfinance
Moving a SACCO network from spreadsheets to one ledger
Daily books across all branches and members who receive proof of every payment.
Banks & LendersAI customer service on WhatsApp
Routine questions answered instantly, with agents focused on complex cases.
Government & InfrastructureDesigning cashless tolling for an expressway
A blueprint for free-flowing lanes and fully reconciled toll revenue.
SchoolsFees, results and parents on one platform
Bursars reconcile automatically and parents see balances and results directly.
Let’s build what your organisation needs next.
Book a 30-minute demo with our team. We’ll show you the product, ask about your operations and tell you honestly whether we are the right fit.