How it works
Where your money actually goes.
No choreography, no confetti. Here is the machinery: how your money is invested, where it’s held, and what manages it day to day.
The mechanics
Four steps, all of them regulated.
You open a regulated account
Identity and source-of-funds checks, as required of a CMA-licensed fund manager. Your money enters a regulated structure from the first shilling.
Your money gets an allocation
Choose the funds and instruments you want, or let a portfolio be built around your goal and horizon — across KES and USD, local and global.
Assets sit with custodians, not with us
Your investments are held segregated from Ndovu’s own assets, with regulated custodians. We manage your portfolio; we don’t hold your wealth.
The platform manages, you watch it work
Contributions invested, drift rebalanced, maturing instruments handled, idle cash flagged. You see holdings, costs, and performance in full at any time.
Two ways in
Self-serve today. An advisor when you want one.
Self-serve
Start on your own terms
Open an account, fund it, and invest — money market funds, government securities, global markets. The full platform, at your own pace.
Private Wealth
Add a dedicated advisor
When your position calls for judgment as well as software: one named advisor, a written plan, and portfolio management across everything you hold.
Step 1: Sign Up & KYC
Create Your Account
Download or Visit
Get the app from Google Play Store or Apple App Store, or visit the Ndovu platform.
Enter Your Details
Click Get Started and provide your email, name, and residential country.
Verify Email
Confirm your password and verify your email through the confirmation link.
Complete KYC
Upload your ID documents and take a selfie for identity verification.
Identity Verification Details
Complete Your KYC
Document Upload
Upload a clear photo of your National ID or Passport and select your country.
KRA PIN Certificate
Upload your KRA PIN certificate as part of verification.
Face Verification
Take a live selfie for automated face matching verification.
Personal Information
Provide your full legal name, ID number, gender, date of birth, and employment details.
Next of Kin
Enter your next of kin's name, email, and contact information.
Final Review
Review all information for accuracy and submit to complete verification.
Step 2: Your First Investment
Start Investing
Browse Investments
Explore money market funds, ETFs, stocks, and other products after KYC approval.
Choose Investment
Select an investment matching your financial goals and risk tolerance.
Set Amount
Enter how much you want to invest. We offer flexible amounts.
Confirm
Review investment details and confirm your purchase.
Monitor
Track your investments in real-time through your dashboard.
Step 3: Withdraw Your Funds
How to Withdraw
Portfolio
Log in and navigate to your investments section.
Select Investment
Choose the investment or fund you want to withdraw from.
Enter Amount
Specify how much you want to withdraw—partial or full.
Review
Review withdrawal details including any applicable fees and confirm.
Receive Funds
Funds transfer to your bank account within 2-3 business days.
Video Tutorials
Learn by Watching
Sign Up Tutorial
Making Your First Investment
How to Withdraw
Additional Resources
Learn More
Getting Started with Ndovu
A beginner's guide
Investing in Money Market Funds
Step-by-step investment guide
Understanding Your Portfolio
Learn to manage investments
Maximizing Your Returns
Investment strategies
Fractional Shares Explained
How to invest in fractional shares
Risk Management Tips
Protect your portfolio