Top 5 Untapped Investment Platforms for Kenyans in 2025

Investing is one of the smartest financial moves you can make. Remember, you are not late because there’s no better time to start than today. Let’s face it – many people procrastinate investing thinking that it’s something that can only be done by the rich with millions of money. However, did you know that in Kenya, there are investment platforms that you can start investing with as little as 100 shillings?

For many years, Kenyans have been misled to think that the only means of investing is through traditional investment platforms such as real estate or government bonds. While these are great options, they aren’t the only ones. In 2025, there are more diverse, unique, and easy-to-use platforms that allow even upcoming investors to build their wealth.

In this post, with you 5 legit investment platforms that are easy to use and have been tailored for the modern Kenyan investor. If you’re looking for fresh opportunities beyond the usual, these untapped platforms could be just what you need. Let’s dive in!

1. M-Akiba

Among the government-sponsored projects, M-Akiba is one that seems very promising. If you are interested in a low-risk investment that is backed up by the government, then you should try out M-Akiba. Its beauty is how easy it is to get started. You can invest directly through your phone using mobile money platforms like M-Pesa, making it super convenient. And the best part is? You only need Ksh 3,000 to start your investment journey.

M-Akiba offers a decent interest rate of around 10% annually, which is higher than most savings accounts that your bank offers. Additionally, the investment money that you put in M-Akiba is not taxed. Moreover, the platform offers convenience, with bonds being sold in small amounts to encourage participation by all Kenyans, regardless of their income levels.

What separates M-Akiba from other available investment platforms in Kenya is that there are no broker fees involved. Elimination of brokerage fees started this year on march after a study that was commission by FSD Africa in effort to boost efficiency. 

According to the findings of the study, “This will eliminate the complexity of secondary market trading and the involvement of brokers who may not be liquidity providers, and may consequently reduce inherent market trading costs,” FSD Africa study recommended. 

Therefore, if you would like to start investing in government bonds, M-Akiba can be your best fit. 

2. Abacus

Abacus is a financial technology investment platform that provides Kenyans with an opportunity to invest their money. The platform offers different investment portfolio such as stocks, bonds, and mutual funds. Whether you're a newbie or an experienced investor, Abacus makes it simple to buy and sell stocks immediately from your phone or desktop.

The website is especially appealing because it provides thorough information on listed companies, allowing users to make more educated judgments. 

Abacus investment platform also offers wealth management tools and portfolio tracking, which help investors track their progress and make better financial decisions. You can even access learning materials to help you improve your investing skills.

If you're serious about long-term wealth creation, Abacus can be a fantastic platform to start your investment journey.

3. Hisa App

The Hisa App is one of the most exciting new platforms in Kenya. It allows you to invest in fractional shares of companies listed on the Nairobi Stock Exchange (NSE). This means you don’t need a lot of money to start investing in big companies. Even if you have as little as KSh 100, you can buy a piece of Safaricom or Equity Bank, for example.

The app also has a community feature where users can share insights and discuss market trends. It’s not just an investment app but a learning tool as well. For young Kenyans looking to start small but think big, the Hisa App is the perfect way to get a foot in the door.

4. Mali by Safaricom

Safaricom continues to innovate, and their latest offering, Mali, an Mpesa Money Market Fund, is an investment platform designed for the average Kenyan. With Mali, you can invest in unit trusts through your phone using M-Pesa. What’s great about Mali is that it allows you to invest as little as KSh 100, and you can withdraw your money anytime, making it highly flexible.

The interest rate for Mali is around 10%, which is competitive compared to traditional savings accounts. The app is straightforward to use, and since it’s by Safaricom, you can trust that your money is in safe hands. If you’ve ever wondered, "Where can I invest and earn daily profits in Kenya?" Mali is worth considering.

5. Chumz

Chumz is a savings and investment app that allows Kenyans to achieve their financial goals through disciplined saving. You set your goals on the app, such as saving for a business or vacation, and Chumz automatically deducts small amounts from your M-Pesa account based on your settings. The app then invests this money in unit trusts that pay interest daily.

What makes Chumz stand out is its focus on helping users develop a savings habit while still growing their money. It’s a perfect app for those who need a little help with financial discipline but also want to see their money work for them. You don’t need a huge amount to get started, which makes it accessible to everyone.

Conclusion

With these platforms, you don’t need a huge initial investment to get started. The key is to begin, even with just a few shillings, and watch your money grow.

When it comes to investing, don’t get discouraged by small returns in the beginning. Remember, the magic lies in compounding – the little interest you earn today will grow significantly over time. Your focus should be on long-term gains. If you start investing now, in ten years, you’ll look back and thank yourself for the smart decisions you made.

Gone are the days of letting money sit idle in current accounts. We’re part of a generation that understands the importance of passive income. Every Kenyan, especially the youth, should make building wealth a priority. Start investing today, and let your money work for you!