Findings & checks · 0 flagged
Every scanned point with the score it earned and what moved between them.
First recorded scan — no prior version to compare against.
The primary manifest — the file an agent reads to learn what this artifact does.
💳 mkopo-mcp — Alternative Credit Scoring MCP Server
First alternative credit scoring MCP server for East Africa.
70%+ of Kenyan adults are "credit invisible" — no formal credit history means no access to capital. M-PESA is a de facto financial history record that predicts repayment behaviour. mkopo-mcp makes that intelligence accessible to AI agents.
The Structural Problem
In mature economies, credit bureaus have 30+ years of credit card, mortgage, and auto loan data per person. That data machine took 50 years to build. In Kenya, most people's financial lives happen in cash and mobile money — invisible to formal credit systems.
M-PESA is the credit bureau that doesn't know it is one.
- Regular income deposits → income stability
- Utility payment regularity → discipline signal
- Savings behaviour (M-Shwari, chama) → future orientation
- Fuliza usage ratio → short-term distress indicator
- Business Paybill receipts → verifiable commercial activity
Tools
| Tool | What it does |
|---|---|
alternative_credit_score | Score from M-PESA behavioural signals (300–850 scale) |
mpesa_creditworthiness | Analyse inflow/outflow patterns for loan capacity |
credit_report_summary | Generate structured report like a loan officer would review |
loan_eligibility | Match to appropriate Kenya lender types |
credit_improvement_tips | Personalised steps to improve credit tier |
Quick Start
pip install mkopo-mcp # coming soon to PyPI
mkopo-mcp # starts on stdioResearch Basis
- World Bank "Expanding Access to Finance" (2022)
- Breza & Kinnan "Measuring the Equilibrium Impacts of Credit" (2021)
- CBK Prudential Guidelines (2022)
- Kenya CRB Act (Cap. 44A)
⚠️ DEMO data — not a real CRB product. Consult Metropol or CRB Africa for official reports.
© 2026 Gabriel Mahia / AI Kung Fu LLC · MIT License