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Tight macro shot of a mobile device screen displaying a secure Plaid bank connection interface, bright neutral daylight, crisp details.
Tight macro shot of a mobile device screen displaying a secure Plaid bank connection interface, bright neutral daylight, crisp details.
Start verification
/ VERIFICATION PROCESS

Automated underwriting in minutes

Connect your bank securely via Plaid, verify your identity, and get an instant decision. We look at your real cash flow to authorize same-day transfers.

Wide-angle environmental shot of a clean, realistic workspace with a laptop showing a structured financial dashboard, bright daylight, neutral tones.
Wide-angle environmental shot of a clean, realistic workspace with a laptop showing a structured financial dashboard, bright daylight, neutral tones.
THE THREE STEPS

Three verification steps

We replace manual paperwork with secure, instant API integrations. SentePesa evaluates your application transparently with a flat 20% interest rate.

01 / CONNECTION
02 / CREDENTIALS
03 / IDENTITY

Secure Plaid link

Equifax credit check

KYC document upload

Connect your bank account securely in seconds. Our automated system reviews cash flow data to verify income without manual bank statements.

Upload standard government-issued identification. Our automated system reviews your documents instantly to secure your account and prevent fraud.

We run a secure credit check via Equifax to validate your profile. The process is fully automated and completed in seconds.

Real-time cash flow analysis

Our automated engine reviews transaction history to confirm repayment capacity. This allows us to offer a flat 20% interest rate without compounding traps.

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Secure underwriting decisions

Get a secure underwriting decision in minutes. Connect your bank, complete identity verification, and access same-day transfers with transparent terms.