Lock it away once.Wake up paid at 05:00 AM.
Holding large lump sums in your everyday mobile wallet invites instant, friction-free spending. Chulri acts as an automated treasury buffer between your earnings and your day-to-day wallet, ensuring your money outlasts the month.
Earning well is easy. Keeping it is where discipline breaks.
Overspending rarely happens because of bad math. It happens because money sitting directly in your M-PESA balance has zero friction against immediate impulses.
It lands all at once
A client contract pays out, profit is booked, or dividends clear. The whole lump sum sits in your primary M-PESA balance, one tap away from impulse splurges.
Everyone can see you're flush
Unplanned family requests, fast soft-loans, and casual peer pressure drain your liquidity. When money is sitting loose in your everyday wallet, saying 'no' carries friction.
Week three runs dry
The money was enough to comfortably cover the month. It just wasn't paced across the month. Relying on raw willpower every single morning to pace yourself is exhausting.
A vault that releases liquidity strictly on schedule
You decide the principal, target phone line, and cadence. Chulri automates the disbursements every single morning before your commute begins.
1. Fund & Lock
Deposit via instant M-PESA STK Push. Choose your target line and lock frequency: daily morning allowance, custom days, or target time-lock.
2. Remove Temptation
Committed capital is isolated from your active balance. No daily passwords to enter, no willpower tests, and zero exposure to impulse cashouts.
3. Wake Up Paid
Every morning at 05:00 AM EAT sharp, your scheduled allowance lands via Safaricom B2C on your phone, exactly on schedule.
Everything required to safeguard your capital
Impulse-control vaults
Capital committed to isolated Chulri vaults is locked out of casual reach. You set the rules once while thinking strategically, and the vault enforces them without emotion.
Automated 05:00 AM dispatches
Zero manual cashouts needed. Our treasury worker computes your schedule nightly and sends your exact daily allowance via Safaricom B2C at 05:00 AM EAT, ready for your day.
Pay yourself, or protect a dependant
Assign any payout line per vault. Send a protected daily upkeep allowance to students, parents, or staff without transferring a vulnerable lump sum.
Targeted time-locks
Not every commitment needs daily drips. Time-locked vaults secure large lump sums for rent, taxes, or school fees, releasing the full capital on your selected target date.
Engineered for irregular income
Freelancers, gig contractors, and SME operators receive volatile lump sums. Chulri smooths irregular cash events into a steady, reliable daily salary.
Immutable audit ledger
Every single deposit, drip disbursement, M-PESA receipt code, and emergency withdrawal is permanently logged. Access comprehensive weekly and monthly statements anytime.
Standard Mobile Money vs. Chulri Vaults
High exposure to everyday impulse spending and social demands
Capital is locked securely in dedicated vaults out of immediate reach
Lump sums dwindle within the first two weeks of the month
Your allowance arrives automatically every morning at 05:00 AM EAT
Daily mental strain trying to calculate what you can afford to spend
Lumpy, unpredictable income is converted into a predictable daily salary
Unprotected wallet easily drained by casual peer loan requests
Committed liquidity is locked; unallocated funds remain accessible
Who Chulri is engineered for
- Freelancers & Contractors
- Convert sporadic project milestone payments into a predictable month of daily salary.
- Small Business Operators
- Pay yourself a structured daily allowance instead of impulsively tapping into business working capital.
- Parents & Caregivers
- Send a dependable, automated daily fare and lunch stipend directly to a student or dependant.
- Fixed-Expense Planners
- Quarantine rent, supplier bills, or school fees weeks in advance without the risk of dipping in.
A lock you can audit anytime
Locking liquidity only works when you have absolute confidence in the accounting. Chulri maintains a clear, itemized audit trail for every single shilling.
Government ID Verification
Every member account is registered and linked to verified identity credentials to prevent fraud and maintain institutional compliance.
Full Transaction Ledger
Deposits, Safaricom B2C fee logs, daily drips, and manual withdrawals receive immutable receipts accessible on your live ledger.
Transparent Fee Schedules
All platform service charges and B2C fee tiers are published openly. Zero surprise deductions.
Pure Discipline, Not Speculation
Chulri does not invest or gamble with your float. We provide disciplined liquidity locking and automated delivery.
Questions, answered clearly
Can I withdraw my money before a vault finishes?
Money sitting in your unallocated wallet balance can be withdrawn immediately. However, capital locked inside an active vault is scheduled for automated release. Respecting this lock is what protects your discipline.
How do I fund my Chulri account?
Deposit instantly through automated M-PESA STK Push. Your available float updates in real-time, allowing you to allocate funds across any number of vaults.
What time do payouts arrive?
Our automated treasury worker dispatches scheduled disbursements every morning at 05:00 AM EAT directly to the recipient M-PESA number assigned to that vault.
Are there hidden charges?
No. Every transaction fee and Safaricom B2C charge is published transparently on our public fee schedule before you commit any capital.
What is required to register?
Just your valid Kenyan mobile number, official name, and national ID verification to establish your verified vault account.
Need complete details on fee breakdowns? View the official fee schedule →
Ready to take control of your daily cashflow?
Create an account, lock your first vault, and let tomorrow morning's 05:00 AM payout run on auto-pilot.
Create Free Account