For a sole proprietor in Kenya, idle cash often sits in an M‑PESA till, pay‑bill or current account earning no interest, creating an operational dilemma.

Ziidi MMF, integrated into the M‑PESA ecosystem, functions as an interest‑bearing holding account that preserves the instant liquidity needed for daily business cycles.

Entrepreneurs can sweep unallocated daily revenues from their mobile wallet into Ziidi at zero deposit cost, allowing the float to compound overnight.

The fund has no minimum balance requirement, with entry thresholds set at just Ksh 100, making it accessible to micro‑businesses that lack large liquidity reserves.

Withdrawals are free and settle instantly in the user’s primary M‑PESA wallet, eliminating the exit fees typical of bank‑linked money‑market products.

Unlike fixed‑deposit or notice accounts, Ziidi imposes no lock‑in periods; the full principal and accrued return can be liquidated at any moment without penalty.

Interest is posted net of a 2 % per annum fund‑management fee and the statutory 15 % withholding tax, so the balance shown reflects spendable cash for operational needs.

A Shari’ah‑compliant version, Ziidi Shari’ah, is also available for entrepreneurs who require Islamic‑law‑aligned financial products.

The service currently operates only via a mobile app; the absence of a desktop or web client can hinder bookkeeping, spreadsheet reconciliation and multi‑asset treasury management for growing businesses.