A decision with context
An authorised enquiry produces an allocation for the requesting provider without turning a salary record into an open file.
Affordability and payroll, connected
Financial workflows should not depend on guesswork.
One accountable network for employers and financial providers—from an employee-authorised enquiry to a reconciled payroll result.
Built for Malawi's private sector
Explore the workspacesOne accountable threadWorkflow overview
- 01Employee-authorised enquiryThe lender receives an allocation, not a salary profile.
- 02Independent approvalA reservation becomes active only through maker-checker review.
- 03Payroll outcomeExpected, collected and exceptional results stay traceable.
- 04ReconciliationEvery difference has an owner and an evidence trail.
Privateprovider views designed around allocated affordability
Governedfinancial actions with accountable approvals
Traceableoutcomes connected through reconciliation
See the work, not just the promise
A clearer working day.
For everyone in the process.
Move from scattered files and follow-up calls to a shared record of what needs to happen next.
01 / PAYROLL, WITH A CLEAR NEXT STEP
Know what is ready.
Know what is ready.
Know what needs you.
Upload your payroll, see the rows that need attention, and give a separate checker the information needed to approve a run.
- CSV, Excel and JSON file support
- Employee-level validation and correction reports
- Collection outcomes with a traceable history
THIS MONTH’S PAYROLL
Your next step is clear.
248Employee rows
3Need correction
- 01File receivedInput preserved with a checksumComplete
- 02Review validationResolve the listed row errorsYour next step
- 03Independent confirmationA different payroll checker reviewsUp next
02 / RESPONSIBLE ORIGINATION
From authorised enquiry
From authorised enquiry
to an accountable decision.
Record employee authority, check available affordability, and submit an application for independent approval. Each person sees the information their role needs.
- Salary details remain protected from other institutions
- Time-limited reservations prevent competing holds
- Top-ups and amendments follow an approval trail
APPLICATION REVIEW
A decision with context.
Employee authority recorded · Salary breakdown protected
- 01Affordability checkedAllocation for the requesting institutionRecorded
- 02Reservation createdTemporary capacity holdRecorded
- 03Supervisor reviewThe submitting officer cannot self-approveNext step
03 / OVERSIGHT THAT LEADS TO ACTION
Follow the exception.
Follow the exception.
Keep the evidence.
Review institution documents, investigate collection differences, and resolve disputes with a recorded reason. Operational oversight starts with the work awaiting attention.
- Institution onboarding and document review
- Reconciliation and dispute work queues
- Audit history, billing and operational reporting
REVIEW QUEUE
Attention where it matters.
- 01Institution documentsVerify evidence or record a rejection reasonReview
- 02Collection differencesCompare expected and observed outcomesInvestigate
- 03Open disputesRecord findings and resolutionResolve
Financial corrections preserve the original evidence.
Illustrative workflows and sample figures. Access and available actions depend on institution approval and the assigned role.
Designed around the work
Less chasing. More certainty at every hand-off.
A hold that means one thing
Temporary reservations protect an agreed monthly amount while an application moves through approval.
An outcome you can trace
Payroll expectations, collections and exceptions remain connected instead of scattering across email and spreadsheets.
One accountable thread
From employee request to reconciled result
- 01
Authorise the enquiry
The institution records why the employee requested the check and where the underlying evidence can be retrieved.
- 02
Allocate and reserve
The configured policy calculates a privacy-safe amount and places a time-limited hold.
- 03
Review independently
A separate authorised person approves or rejects the proposed deduction instruction.
- 04
Collect and reconcile
The employer processes payroll; providers and finance teams follow every full, partial or exceptional result.
01shared workflow instead of bilateral spreadsheets
48hnormal reservation window before fresh review
2-personmaker-checker decisions on financial actions
MWKa platform designed around the local payroll context
Privacy is a product decision
Useful to a lender without opening an employee's payslip.
The requesting institution needs a clear allocation and the state of its own obligations. It does not need another holder's identity, another lender's amount, or a breakdown of salary components.
That boundary is carried through enquiry, reservation, collection reporting and provider-to-provider settlement.
INPUTGOVERNED
WORKFLOWOUTCOME
WORKFLOWOUTCOME
“The strongest financial workflow is the one people can explain, operate and reconcile without private knowledge or heroic memory.”
Before the first conversation
Questions, answered plainly
Does the platform lend money?
No. Participating financial institutions originate their own products. The platform coordinates authorised affordability, deduction and reconciliation workflows.
Can a provider see an employee's full salary?
The intended provider response is an allocated amount and its own records—not salary components or another holder's commitments.
What does an employer change?
The employer maintains workforce and payroll facts, reviews validated deduction instructions and runs a controlled monthly payroll process.
Is a reservation already a deduction?
No. It is a temporary hold. A deduction becomes active only after the required instruction and approval workflow.
Start deliberately
Bring the real workflow to the table.
We will discuss your current process, failure points, responsibilities and evidence—not run a generic sales presentation.