Capabilities

What Polymark Ledger does for you.

01

Multi-tenant by design

Host many institutions and branches on one platform, each with isolated data, branding and settings.

02

Full loan lifecycle

Application, appraisal, approval, disbursement, repayment schedules, arrears and recovery in one flow.

03

Double-entry accounting

Every transaction posts to the general ledger automatically, with trial balance and financial statements on demand.

04

Mobile money native

Collect deposits and repayments over MTN and Airtel, reconciled against member accounts without spreadsheets.

05

Certified e-receipts

Tamper-evident receipts with a verification seal, so members and auditors can confirm any payment.

06

Audit and controls

Role-based access, maker-checker approvals and a complete audit trail for regulators and boards.

Modules

Everything in one system.

Start with the modules you need and switch on more as you grow — all sharing the same data, users and audit trail.

Members & KYCSavings & sharesLoansGeneral ledgerMobile moneyReports & statementsDividendsBranches

Works with

MTN MoMo
Airtel Money
HobSphere SMS
Credit Scoring Engine
Bank transfers

Security built in

Encrypted connections
Role-based access and approvals
Complete audit trail
Regular backups

Security & trust

AI inside

Intelligence built into Polymark Ledger.

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.

Used in

Part of these solutions.

SACCOs & Microfinance

Run a modern SACCO without the paperwork.

See Polymark Ledger in action.

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.

Book a demo Explore products

The multi-tenant financial OS for SACCOs and microfinance.