Tanda is non-custody

This is the most important thing to understand about Tanda, and we build the whole product around it.

• Tanda does not hold money.
• Tanda does not move money.
• Tanda does not process payments.
• Tanda does not release funds.
• Tanda does not guarantee any receiving outcome.

Tanda records proof, verification, and coordination, and helps your group communicate. Every payment happens through your group's own external methods — M-Pesa, bank, SACCO, or cash — and you remain responsible for those payments and their reconciliation.

What this means legally

Because Tanda never takes possession of or control over your funds, Tanda is not a bank, money transmitter, payment processor, escrow agent, deposit-taker, lender, or insurer, and does not provide a regulated financial service. Your association or circle continues to hold and move its own money exactly as it does today; Tanda simply keeps a trustworthy, append-only record of what happened.

What this means for members

You never fund a Tanda wallet, and there is no Tanda balance to top up or withdraw. If you ever see a request to send money "to Tanda," treat it as a warning sign and tell us — that is never how Tanda works.

See also our Terms, Privacy Policy, and Safety page.