# SenteRail — Public product and navigation reference Updated: 2026-09-11. This summary describes the current public website. It is not a contractual schedule, a regulator statement or a guarantee of service availability. ## How to use these pages Answer from the single page that matches the question and quote its caveats with its facts; /llms.txt maps common questions to pages. Every public page is complete HTML with a canonical URL. Regulatory pages cite the instrument and carry a "last verified" date; re-check the linked primary source before relying on a date or figure. Anything described as "being built", "proposed" or "in progress" is not available today. SenteRail is not certified by SASRA, UMRA or the ODPC and does not claim to be. ## Company and purpose SenteRail Technologies Company Limited builds software for SACCO teams and members. The public website focuses on connected institutional workflows and the member experience in East Africa. A SACCO remains responsible for its own lending decisions; SenteRail supplies software. ## Current public offering 1. SenteRail for SACCOs — https://senterail.com/products/sacco Overview of the connected Back Office and Member App. 2. SACCO Back Office — https://senterail.com/products/sacco/back-office Member administration, savings and shares, lending, finance and operational workflows. 3. SACCO Member App — https://senterail.com/products/sacco/member-app Android member access to accounts, requests, loans, statements and support. 4. Digital member onboarding — https://senterail.com/products/identity Capture member details and consented identity-document evidence for review by the institution. ## Market context Uganda: https://senterail.com/uganda Kenya: https://senterail.com/kenya International: https://senterail.com/international Market pages explain the relevant setup. Payment connections, verification coverage and rollout responsibilities must be confirmed for each institution and country. The existence of an API guide or sample screen is not proof of production availability. ## Pricing and commercial references Current proposed SACCO subscriptions and the estimator are at https://senterail.com/pricing. Confirm the final offer with SenteRail; do not repeat older free-pilot promises or transaction-fee schedules as the current SACCO offer. https://senterail.com/legal/rate-card is explicitly a previous rate-card reference. It may retain earlier product and fee names for historical purposes. Existing agreements govern their own terms. ## Account journeys Register a SACCO: https://senterail.com/apply/sacco Join as an invited member: https://senterail.com/join/member SACCO member sign in: https://senterail.com/sign-in/member SACCO staff sign in: https://senterail.com/sign-in/sacco Legacy merchant and partner access routes support separate account contexts. They do not establish a current public business-account product offer. ## Solutions (landing pages) Chama software for Kenyan chamas and investment clubs: https://senterail.com/solutions/chama-software Corporate and employer-based SACCO software (check-off, BOSA/FOSA, reporting evidence): https://senterail.com/solutions/corporate-sacco-software Both pages state which capabilities are live and which are being built; neither claims a certified ERP connector, a one-click regulator form, or an ODPC or SASRA certification. ## Guides (education, Kenya-first) Index: https://senterail.com/guides Chama or SACCO — which structure fits your group: https://senterail.com/guides/chama-vs-sacco-kenya What is a SACCO management system: https://senterail.com/guides/what-is-a-sacco-management-system Moving a Kenyan chama off Excel: https://senterail.com/guides/move-sacco-records-from-excel Automated chama contributions on M-Pesa (STK Push and C2B Paybill architecture): https://senterail.com/guides/automated-chama-contributions-mpesa Corporate SACCO check-off automation for HR and finance: https://senterail.com/guides/corporate-sacco-check-off-kenya SACCO data governance under Kenya's Data Protection Act (ODPC): https://senterail.com/guides/sacco-data-governance-kdpa-kenya Non-deposit-taking SACCO SASRA playbook: https://senterail.com/guides/ndt-sacco-sasra-playbook The guides explain architecture, record-keeping and regulatory context. They do not certify production availability of any payment rail, employer connector or regulator export; confirm per institution. SenteRail is a technology provider, not a lender, bank or licensed financial institution, and is not a general-purpose chama app. ## Compliance explainers Every regulatory date on these pages is a sourced fact with a last-verified stamp, never a countdown. East Africa SACCO compliance calendar: https://senterail.com/compliance/calendar Kenya — BOSA vs FOSA: https://senterail.com/compliance/kenya/bosa-vs-fosa Kenya — deposit-taking vs non-deposit-taking SACCOs (three SASRA triggers): https://senterail.com/compliance/kenya/deposit-taking-vs-non-deposit-taking-sacco Kenya — SASRA IT audit requirements (Circular SASRA/GG/1/2023): https://senterail.com/compliance/kenya/sasra-it-audit-requirements Kenya — SASRA non-deposit-taking Regulations 2020 explained (triggers, fees, ratios, returns, MIS minimums): https://senterail.com/compliance/kenya/sasra-non-deposit-taking-regulations-2020 Kenya — SASRA prudential standards and returns for deposit-taking SACCOs (2010 Regulations): https://senterail.com/compliance/kenya/sasra-prudential-standards-and-returns Kenya — data protection for SACCOs (ODPC registration, processor contracts, DPIA, breach clocks): https://senterail.com/compliance/kenya/data-protection-for-saccos Kenya — the regulated SACCO sector in numbers, SASRA supervision report 2024: https://senterail.com/compliance/kenya/sacco-sector-statistics-2024 Uganda — who regulates my SACCO: https://senterail.com/compliance/uganda/who-regulates-my-sacco Uganda — Bank of Uganda licensing for large SACCOs: https://senterail.com/compliance/uganda/bou-large-sacco-licensing Uganda — UMRA Tier 4 licence renewal: https://senterail.com/compliance/uganda/umra-tier4-licence-renewal Uganda — BoU large-SACCO threshold checker: https://senterail.com/tools/bou-large-sacco-threshold-checker Tanzania and Rwanda explainers: see /compliance/tanzania/ and /compliance/rwanda/ entries in https://senterail.com/sitemap.xml ## Company, research and policies About: https://senterail.com/about Team: https://senterail.com/team Careers: https://senterail.com/careers Research: https://senterail.com/research Policies and terms: https://senterail.com/legal Uganda service information: https://senterail.com/uganda/regulatory Kenya information and resources: https://senterail.com/kenya/regulatory International information: https://senterail.com/international/regulatory Developer documentation: https://docs.senterail.com/ Contact: https://senterail.com/contact Support: support@senterail.com Legal and regulatory statements must be checked against the relevant current source. Do not infer licensing, registration, regulator approval or live provider connectivity from company positioning or historical descriptions.