Insurance forAfrica's Future
AI-powered, blockchain-secured insurance protecting Kenya's 8 million MSMEs. Get covered in 5 minutes for KES 4,500/month.
Pay via M-PESA. Claims processed in 72 hours. Powered by Base blockchain for transparency and speed.
98% of Kenyan MSMEs operate without a safety net
8 million small businesses contribute 40% to Kenya's GDP and employ 14.9 million people, yet less than 2% have business insurance. A single fire, theft, or natural disaster can destroy everything overnight.
The $8 Billion Protection Gap
Kenya has an $8 billion MSME insurance protection gap. This represents millions of businesses operating without financial safety nets, leading to $60 billion in economic losses annually and putting 2 million jobs at risk.
Too Expensive
Traditional insurers charge KES 15,000-50,000/month—unaffordable for 98% of MSMEs. We charge 70% less.
Too Slow
6 weeks for approval, 90+ days for claims. We approve in 5 minutes, pay in 72 hours.
Too Complex
Mountains of paperwork, no M-PESA support. We require zero paperwork—just connect your M-PESA account.
No Mobile Money
Traditional insurers demand bank accounts. 96% of Kenyan MSMEs use M-PESA exclusively—we meet them where they are.
MSMEs Insured
Out of 8 million businesses
$8B gap
In Kenya
14.9M jobs
At risk
40% of GDP
from MSMEs
One Platform. Three Innovations.
We've turned a 6-week, $200 process into a 5-minute, $35 digital experience
AI-Powered Risk Assessment
Connect your M-PESA account. Our LightGBM AI models analyze transaction patterns, business velocity, and climate risks in seconds—no paperwork, no waiting.
Real-time risk scoring with transparent SHAP values for regulatory compliance
M-PESA Native Payments
Pay premiums from KES 4,500/month ($35) via mobile money. 98% of Kenyans already use M-PESA—automatic deductions, zero friction, zero bank accounts needed.
Seamless integration with Kenya's most trusted payment system
Instant Blockchain Payouts
Claims under KES 50,000 auto-approved and paid in 72 hours via smart contracts on Base L2. Transparent, auditable, and 1000x cheaper than traditional banking.
$0.001 transaction cost vs $10-50 on Ethereum
How It Works: Your Complete Guide
From signup to coverage—get protected in 5 simple steps, faster than opening a bank account
Download the DukaSure App
Start by downloading our free mobile app from the App Store (iOS) or Google Play Store (Android). The app is lightweight, secure, and works on any smartphone—no need for the latest model.
Connect Your M-PESA Account
Securely link your M-PESA mobile money account to DukaSure. We use bank-level encryption and never store your M-PESA PIN. This connection allows us to analyze your transaction history for risk assessment and enables automatic premium payments.
AI-Powered Risk Assessment
Our advanced AI engine (powered by LightGBM machine learning) analyzes your M-PESA transaction patterns, business velocity, cash flow trends, and location-based climate risks. This happens automatically in seconds—no forms, no waiting, no paperwork. We assess factors like transaction frequency, average amounts, business stability, and geographic risk factors.
Choose Your Protection Plan
Based on your risk assessment, select the coverage that fits your business. Choose from Basic (KES 4,500/month), Standard (KES 9,000/month), or Premium (KES 18,000/month). Each plan includes property damage, theft protection, fire coverage, and natural disaster protection. Higher tiers add business interruption, equipment replacement, and liability coverage.
You're Protected—Claims in 72 Hours
Once you make your first premium payment via M-PESA, your policy is instantly active and recorded on the Base blockchain for transparency. Your smart contract address is saved in the app. If you need to make a claim, simply submit it through the app with photos and details. Claims under KES 50,000 are automatically approved by our AI and paid directly to your M-PESA within 72 hours via blockchain smart contracts.
Ready to protect your business? Get started in 5 minutes.
Start Your Application via WhatsAppContact us at +254 702 005 560
Transparent Pricing, No Hidden Fees
Choose the coverage that fits your business—70% cheaper than traditional insurers
Basic
Coverage up to
KES 250,000
Perfect for small shops and vendors
- Property damage coverage
- Theft protection
- Fire & natural disasters
- 72-hour claim processing
- M-PESA payment integration
Standard
Coverage up to
KES 750,000
Ideal for growing businesses
- Everything in Basic
- Business interruption
- Equipment replacement
- Priority claims support
- 24/7 customer service
Premium
Coverage up to
KES 2,500,000
Comprehensive protection for established businesses
- Everything in Standard
- Liability coverage
- Employee protection
- Custom risk assessment
- Dedicated account manager
All plans include:
Built for Every Kenyan Business
From street vendors to growing enterprises—we protect what matters most
Small Shops & Kiosks
Your corner store, retail shop, or kiosk deserves protection. Our Basic plan covers property damage, theft, and fire—perfect for businesses with KES 250,000 in assets.
Transport & Logistics
Protect your boda boda, matatu, or delivery fleet. Coverage includes vehicle damage, cargo loss, and business interruption—keep your wheels turning.
Manufacturing & Workshops
Workshops, tailors, carpenters, and small manufacturers need comprehensive coverage. Our Premium plan protects equipment, inventory, and liability.
Built on Trust & Technology
Combining cutting-edge blockchain security with regulatory compliance
IRA Licensed
Fully compliant with Insurance Regulatory Authority 2025 guidelines and undergoing full licensing process
Blockchain Secured
Smart contracts on Base L2 ensure transparent, immutable claim records—every transaction is verifiable
Bank-Grade Security
Encrypted transactions, multi-sig wallets, and regular security audits protect your data and funds
AI-Powered Fraud Detection
Machine learning models with SHAP explainability identify and prevent fraudulent claims automatically
Multi-Signature Governance
Prevents fraud, ensures transparency
On-Chain Audit Trail
Every claim is permanently recorded
Automated Monitoring
AI systems protect you around the clock