Kehbar — How it works

i. The model

Three things, and how they fit.

Almost everything in Kehbar can be described as a combination of three concepts. The rest of this page builds on these three.

Concept 01

An agreement between two people.

A loan, a deferred payment, a split, an open arrangement. Two parties name the thing, the amount, and how it'll be settled. Kehbar holds the record from the moment both sides confirm. More on Friends →

Concept 02

An agreement between many.

A savings circle, a wedding asoebi pool, a trip split, an ongoing group arrangement. Same idea (named amounts, agreed terms, a shared record) extended to a group. More on Groups →

Concept 03

A shortcut, in plain language.

Berit is the 24/7 assistant that helps you draft messages, summarise where you stand, and explain mechanics, without taking sides or pretending to be a person. More on Berit →

ii. An agreement, end to end

Mide owes Femi for the asoebi.

A worked example of how an agreement between two people plays out. The names and amounts are illustrative; the steps are real.

Friends · Deferred payment

Mide and Femi, two weeks.

Day 1 · Evening
Femi fronts ₦40,000 for the wedding asoebi Mide didn't manage to contribute in time. Mide opens Kehbar, picks the Deferred Payment template, fills in the amount and what it's for, and invites Femi by email.
Day 1 · Later
Femi gets the invitation, opens the link on his phone. He sees exactly what Mide created: the same amount, the same description. He suggests a two-week settlement; Mide accepts. The agreement is now live, visible to both.
Day 8
Mide pays ₦20,000 toward the agreement from her bank account, through Kehbar. The balance updates in real time. Both of them see ₦20,000 outstanding.
Day 14
Mide settles the remaining ₦20,000. The balance reaches zero. The agreement closes automatically. The record stays, in case it's ever referenced again.
Six months later
At a family event, someone jokingly asks Mide whether she ever paid Femi for the asoebi. Mide pulls up the closed agreement on her phone: both their names, both their confirmations, the dates of both payments. The conversation moves on.

iii. A circle, end to end

Yemi runs an ajo with seven friends.

A worked example of how a group agreement runs over time. Same shape as the agreement above, scaled to eight people and eight months.

Groups · Circle

Yemi and seven friends, eight months.

Pre-launch
Yemi creates the circle on Kehbar. Eight members, ₦50,000 monthly contribution, an eight-round rotation starting on the 15th of next month. She sets the rotation order with her friends in mind.
Week before launch
Yemi invites the seven friends by email. As each accepts the invitation, they appear in her approval queue. She confirms each one before they're active in the circle.
Launch · 15th
Yemi activates the circle. Contributions are automatically collected from each member's bank account on the 15th. The pot (₦400,000) lands in the round 1 recipient's account that same day.
Months 2 and 3
Same rhythm. Same picture for everyone. Yemi opens Kehbar once a month to check, and nothing requires her judgement.
Month 4 · The rough patch
Tobi misses his contribution. Kehbar surfaces the two paths to Yemi: extend the deadline or proceed partial. Yemi picks extend; Tobi has seven extra days. He pays on day three.
Month 8 · Completion
The eighth and final round pays out. The circle closes with a complete record: who contributed when, who received which payout, what happened in month 4. Months from now, anyone can pull it up. Nothing reconstructed from memory.

iv. Underneath all this

A short list of what makes it work.

The agreements and the circles sit on top of decisions about money, identity, data, and dispute. Each has its own page; what follows is the one-paragraph version.

Money

Processed through banking partners, not by us.

Your money moves through licensed banking partners regulated by the Central Bank of Nigeria, never through Kehbar. We're software, not a deposit-taking institution.

How money works →

Identity

Verified once, when it matters.

For transactional use, identity is verified with BVN or NIN plus a brief selfie. The verification happens once; you don't repeat it for every action.

How verification works →

Disagreement

A witness, not a judge.

If two people remember an agreement differently, Kehbar shows the record and stays out of the interpretation. We hold what was agreed; we don't decide who's right.

How disputes work →

Data

Minimum needed, nothing more.

We hold what the product needs to operate. We don't sell data, we don't run ads, and we don't read anything outside Kehbar. Both sides of an agreement see the same record.

How data works →

How Kehbar actually works.