💳 mkopo-mcp — Alternative Credit Scoring MCP Server

First alternative credit scoring MCP server for East Africa.

70%+ of Kenyan adults are "credit invisible" — no formal credit history means no access to capital. M-PESA is a de facto financial history record that predicts repayment behaviour. mkopo-mcp makes that intelligence accessible to AI agents.

The Structural Problem

In mature economies, credit bureaus have 30+ years of credit card, mortgage, and auto loan data per person. That data machine took 50 years to build. In Kenya, most people's financial lives happen in cash and mobile money — invisible to formal credit systems.

M-PESA is the credit bureau that doesn't know it is one.

• Regular income deposits → income stability
• Utility payment regularity → discipline signal
• Savings behaviour (M-Shwari, chama) → future orientation
• Fuliza usage ratio → short-term distress indicator
• Business Paybill receipts → verifiable commercial activity

Tools

Tool	What it does
alternative_credit_score	Score from M-PESA behavioural signals (300–850 scale)
mpesa_creditworthiness	Analyse inflow/outflow patterns for loan capacity
credit_report_summary	Generate structured report like a loan officer would review
loan_eligibility	Match to appropriate Kenya lender types
credit_improvement_tips	Personalised steps to improve credit tier

Quick Start

pip install mkopo-mcp       # coming soon to PyPI
mkopo-mcp                   # starts on stdio

Research Basis

• World Bank "Expanding Access to Finance" (2022)
• Breza & Kinnan "Measuring the Equilibrium Impacts of Credit" (2021)
• CBK Prudential Guidelines (2022)
• Kenya CRB Act (Cap. 44A)

⚠️ DEMO data — not a real CRB product. Consult Metropol or CRB Africa for official reports.

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© 2026 Gabriel Mahia / AI Kung Fu LLC · MIT License