Group chats: what is coming

So much of Ugandan life is organised in groups — the wedding committee, the savings circle, the family thread, the class of workmates. Kit Pay is building group conversations so those circles get what one-to-one chat already promises: the talk and the money in one place, with one payment able to pay several members, each receiving their own share.

The shape being built

• Group conversations with the people already in your Kit Pay contacts.
• Group payments: one approved payment, split into shares. A share is held for its member to accept where their app supports group claims, and settles straight into their wallet where it does not — money is never stranded behind a screen an app cannot show.
• The same money rules as everywhere: your approval, tied to what you are doing, for anything that moves your money.

Why groups take longer than one-to-one

Kit Pay chat is built for end-to-end encryption, and groups multiply the hard part: every member's devices need keys for the conversation, members join and leave, and each change has to be handled without quietly weakening the room. Doing that properly is slower than shipping a group chat that merely looks private. The wait is the cost of the design being real.

Until groups arrive

The circle can already run on Kit Pay one-to-one: collect with payment requests to each member, pay out with individual transfers, and let everyone's history keep the receipts. If your group is a savings circle, SACCOs and savings groups looks at what makes such groups trustworthy — on paper today, in a group chat soon.