Built to Fix Impulse Spending & Cashflow Volatility
Holding large lump sums in your main M-PESA balance leads to friction-free spending. Chulri acts as an automated buffer between your income and your daily wallet.
Impulse-Control Vaults
When money sits directly in your primary mobile money wallet, it gets spent on unplanned daily requests. By locking capital inside isolated Chulri vaults, you enforce personal financial boundaries while maintaining scheduled liquidity.
Automated 8 AM Dispatches
No need to log in or request cashouts manually every morning. Our background cron worker calculates your schedule and dispatches your precise daily allowance directly via Safaricom B2C every day at 8:00 AM EAT.
Ideal for Gig Workers & Freelancers
If you receive lump sum payments sporadically (contract payouts, dividend distributions, or business profits), Chulri smooths out your earnings into a predictable daily salary throughout the month.
Audit-Grade Ledger Precision
Every deposit, service fee, automated payout, and manual emergency cashout is recorded inside unalterable database transactions. Complete history is accessible anytime from your transaction ledger.
Standard Mobile Wallet vs. Chulri Vaults
Standard Mobile Money Wallet
- High risk of impulse spending on daily temptations
- Lump sum earnings run out before the end of the month
- Manual effort required every day to budget allowances
- No barrier against unexpected loan or transfer requests
Chulri Automated Vaults
- Capital is isolated and locked safely out of immediate reach
- Daily allowance arrives automatically every morning at 8:00 AM
- Smooths volatile income into a predictable daily cashflow
- Emergency manual withdrawals remain accessible when needed