Question 1

How does Multi-Signature (M-of-N) M-Pesa Escrow work for Kenyan SACCOs and Chamas?

Accepted Answer

In a multi-party or milestone escrow structure, funds collected via Safaricom Daraja STK Push or NCBA Paybill are held in a ring-fenced escrow ledger and only trigger B2C disbursement when at least M of N designated committee signatories (e.g., 2 of 3: Chairperson, Treasurer, Secretary) cryptographically approve the milestone.

Question 2

How are escrow disputes resolved?

Accepted Answer

If a buyer or seller raises a dispute before the time-lock auto-release window expires, tranche payouts freeze until the designated neutral arbitrator issues a binding resolution (`buyer_wins` full refund, `seller_wins` release, or custom percentage `split`).

Question 3

Are Ramon Gitau financial calculators compliant with 2026 Kenyan tax laws?

Accepted Answer

Yes. All financial calculators incorporate the latest 2026 statutory rates including PAYE tax bands, SHIF (2.75%), NSSF Tier I/II contributions, Affordable Housing Levy (1.5%), and SASRA regulatory limits.

Question 4

Is user data stored when using online financial tools?

Accepted Answer

No. All mathematical computations, PDF generation, and scenario simulations run 100% locally inside your browser using client-side JavaScript. No private data is logged or transmitted.

Milestone Deliverable	Weight	Gross Tranche	NCBA + Platform Fee	Net Seller Payout	Ledger Status
Title Deed Search & Land Survey Verification	30%	KES 1,350,000	KES 6,820	KES 1,343,180	RELEASED
Land Control Board (LCB) Consent & Transfer Signing	40%	KES 1,800,000	KES 9,070	KES 1,790,930	RELEASED
Ardhisasa Title Registration & Handover	30%	KES 1,350,000	KES 6,820	KES 1,343,180	HELD IN ESCROW

M-Pesa Multi-Party Escrow & Milestone Settlement Tracker

Escrow Milestone Tranche & Disbursement Ledger