A project starts as a plan
The organization or individual raising the money splits the project into phases, for example foundation, walls, roof and finishing, and gives each phase a cost. The costs must add up to the goal.
QIKAO staff review the plan. Once the project launches, the phases and their costs are locked.
You give to a phase
You choose a project and give by M-Pesa. You get a prompt on your phone and enter your PIN there. QIKAO FUND never sees your PIN.
You get a numbered receipt, and your gift appears on the project’s public record. You can give without an account, or create one to keep your receipts together.
The money is held
Your gift is not handed to the organization on the day you give. It is paid to the raiser’s verified bank or mobile money account one phase at a time.
Every payout is prepared by one member of staff and approved by a different one, with a fresh security code.
Proof opens the next phase
When a phase is finished, the organization uploads proof: receipts, delivery notes and photos. Staff check it.
Only after the proof is approved can the next phase be paid. You can see which phases are paid, which is raising now and which are still locked.