Kairos lets lenders, telcos and platforms have a real, two-way conversation with every customer — across SMS, USSD and WhatsApp, on any phone. No app to download. Just more people understood, and more “maybe” turned into “yes.”
50+ African languages · Works on basic feature phones · Drop-in API
Detects and replies in 50+ African languages, so customers are met where they are — not forced into English-only scripts.
Understands free-text questions and worries, answers them warmly, and guides each customer to a confident decision.
Eligibility, fees and the ledger remain authoritative on your side. Kairos persuades; your system always decides.
Where Kairos fits
Anywhere a customer needs a small, timely financial decision, Kairos can carry the conversation — across industries and channels.
Help subscribers take and repay micro-advances over SMS/USSD — in their language, with every question answered.
Convert more approved customers by replacing rigid offer messages with a guided, conversational journey.
Offer instant point-of-need credit at checkout and reassure shoppers in the moment they hesitate.
Keep prepaid electricity and water flowing with conversational advances when balances run low.
Reach smallholder farmers in local languages for seed, fertiliser and equipment financing.
Explain products simply and collect micro-premiums through familiar messaging channels.
Your engine still owns who qualifies, for how much and on what terms.
It opens a warm, in-language chat on the customer's channel and answers their questions.
On a yes, control returns to you to disburse and recover — exactly as today.
Explore how Kairos drops into your stack, or step inside the partner portal to see it running.