Open source · Community finance infrastructure
Build financial inclusion without starting from zero.
Codezero is the open-source edition of Chomoka — a configurable, offline-first platform for savings groups, community finance and humanitarian programmes. Deploy it on your own infrastructure, in your own country, under your own control.
Source available on request · public release planned
The world's most underserved communities deserve good software too.
Organisations working in financial inclusion and humanitarian response usually face four bad options: build from scratch, adopt software designed for somewhere else, pay licence fees a grant cycle can't sustain, or depend on a platform they don't control.
Codezero is a fifth option.
Scope
What's open, what's commercial.
| Capability | Codezero (open source) | Chomoka (commercial) |
|---|---|---|
| Group Android app, offline-first | Included | Included |
| Meeting workflows & configurable calculations | Included | Included |
| Member and group ledger | Included | Included |
| SMS receipts and summaries | Included | Included |
| Partners portal — programme oversight, analytics, exports | Included | Included |
| Community-based-trainer dashboards | Included | Included |
| LMS portal — lender portfolios, KYC, approvals | — | Included |
| Credit scoring and loan products | — | Included |
| Wallets, mobile money and bank rails | — | Included |
| Marketplace | — | Included |
The public-good layer is open. The regulated financial layer is a supported service.
Capabilities
A proven core, not a prototype.
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Offline-first
Runs a full meeting with no connectivity and syncs when it finds some.
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Self-hostable
Deploy on your own infrastructure, in your own jurisdiction.
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Configurable
Countries, currencies, languages and savings methodologies.
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Multi-language
Interface translation for the communities you serve.
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API-ready
Documented server-to-server integration points.
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Android
Built for the low-cost handsets groups actually own.
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Auditable
Timestamped, attributable records throughout.
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Proven core
The same codebase running live savings group programmes.
Why open source
Infrastructure you control outlasts the programme that funded it.
Own your infrastructure
Adapt to your context
No vendor lock-in
Audit what you run
Contribute to a shared ecosystem
Who it's for
Three ways Codezero gets deployed.
Public-interest deployment
A foundation, NGO or humanitarian organisation runs Codezero directly for the communities it serves.
Government-operated
A ministry, central bank or public agency runs it as national infrastructure, on its own systems and under its own data governance.
Government with a development partner
A development organisation deploys and operates alongside government, with a defined handover path so the capability stays behind when the programme ends.
Open source doesn't mean unsupported.
The software is open. Deployment, customisation, integrations, training and ongoing support are delivered by Ensibuuko — the team that builds Chomoka, and Codezero's implementation and customisation partner.
Implementation partner
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Implementation
Deploy Codezero for your organisation or programme.
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Customisation
Adapt workflows, reports, languages, roles and calculations.
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Local integrations
Mobile money providers, banks, payment systems, government platforms, identity systems, SMS and USSD.
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Training
Programme teams, field officers, administrators and local implementation partners.
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Technical support
Deployment, maintenance, security and upgrades.
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Custom development
Mission-specific features, contributed back where appropriate.
Codezero isn't a code drop.
It's an invitation to build the infrastructure of financial inclusion together.
Developers contribute code
Organisations contribute use cases
Researchers contribute evidence
Communities contribute feedback
The repository is available on request today. Public release is planned.
Technology should serve the mission.
Tell us about your programme and we'll get you access to the source, plus a conversation about what deploying it would actually involve.
Source available on request · public release planned