Kenya's independent shops run on trust. KFOS turns that trust into infrastructure.

Credit already happens at the till. None of it is recorded.

Independent shops across Kenya already extend informal credit to regulars and already buy stock on credit from suppliers they trust — entirely from memory. That history never becomes a credit record either party can use: not for the shop applying for stock financing, not for the customer trying to build a track record, and not for a lender trying to price risk fairly instead of guessing.

A point-of-sale system that doubles as a credit bureau.

• Point of sale & inventory — the daily tool a shop already needs, working offline by default.
• Buy Now, Pay Later — shops extend credit at the till; a KFOS Trust Score sets the limit.
• Stock credit (JIT financing) — shops restock from suppliers on credit, repaid from future sales.
• Real books, automatically — double-entry ledger and KRA eTIMS-compliant tax receipts, generated from sales the shop is already making, not a separate task.
• M-Pesa native, single-till model — every payment, payout, and repayment moves through one reconciled account, so the business's real cash position is never a guess.

Mobile money made the rails. Nobody built the ledger on top of them.

M-Pesa and similar mobile money systems already move the vast majority of retail cash in Kenya. What's missing isn't payment rails — it's the layer above them that turns raw transaction history into a trustworthy credit signal a shop or a customer can actually use to grow.

We earn when a shop's credit works, not when it fails.

Revenue comes from a merchant fee on facilitated BNPL sales and a facility fee plus interest on stock-credit financing — deducted from the shop's own payout, never added on top of what a customer owes. Every credit product carries a hard, code-enforced ceiling on total cost (facility fee + interest + late fees combined), so growth in lending volume can't come from growth in borrower harm.

Transparency isn't a feature here — it's the architecture.

• Loan terms are frozen the moment a loan is issued; a future rate or fee change can never reach back into an agreement someone already accepted.
• The real cost and repayment timeline of a credit sale is shown before it's accepted, not only after.
• Every fee that exists is listed in one place a merchant can see completely — nothing is discovered only when it's deducted.

Capital, partners, and people who've done distribution in informal retail before.

KFOS is early — the product described above is real and live, not a mockup. We're open to conversations with investors, strategic partners, and operators who understand distribution into Kenya's informal retail sector, ahead of a formal raise.

Founder-led, product-first.

KFOS is built by The Cathedral, founded and led by Amos Ngeno. See contact to reach him directly.