mkopo-mcp โ Alternative Credit Scoring MCP Server
Quick Install
Automated & IDE SetupCopy the AI prompt to install this server into Claude Code, Cursor, or another agent โ or use 1-click editor setup below.
Manual Client & Custom JSON ConfigExpand JSON โพ
Client Config & Setup
Choose your client or environment
Target File:
๐ก Paste the JSON block into your client's configuration file under mcpServers, then restart the application.
Documentation Overview
๐ณ mkopo-mcp โ Alternative Credit Scoring MCP Server
Compatible with claude-sonnet-5 (released 2026-06-30) โ Anthropic's most agentic
Sonnet yet. Runs multi-step tool chains end-to-end without stopping short.
Install: pip install mkopo-mcp ยท Use with any MCP client.
Most East Africans transacting heavily on mobile money have no formal credit file โ the data exists in M-PESA history, but no scoring model reads it as an agent-callable tool.
70%+ of Kenyan adults are "credit invisible" โ no formal credit history means no access to capital. M-PESA is a de facto financial history record that predicts repayment behaviour. mkopo-mcp makes that intelligence accessible to AI agents.
The Structural Problem
In mature economies, credit bureaus have 30+ years of credit card, mortgage, and auto loan data per person. That data machine took 50 years to build. In Kenya, most people's financial lives happen in cash and mobile money โ invisible to formal credit systems.
M-PESA is the credit bureau that doesn't know it is one.
- Regular income deposits โ income stability
- Utility payment regularity โ discipline signal
- Savings behaviour (M-Shwari, chama) โ future orientation
- Fuliza usage ratio โ short-term distress indicator
- Business Paybill receipts โ verifiable commercial activity
Tools
| Tool | What it does |
|---|---|
alternative_credit_score | Score from M-PESA behavioural signals (300โ850 scale) |
mpesa_creditworthiness | Analyse inflow/outflow patterns for loan capacity |
credit_report_summary | Generate structured report like a loan officer would review |
loan_eligibility | Match to appropriate Kenya lender types |
credit_improvement_tips | Personalised steps to improve credit tier |
Quick Start
Research Basis
- World Bank "Expanding Access to Finance" (2022)
- Breza & Kinnan "Measuring the Equilibrium Impacts of Credit" (2021)
- CBK Prudential Guidelines (2022)
- Kenya CRB Act (Cap. 44A)
โ ๏ธ DEMO data โ not a real CRB product. Consult Metropol or CRB Africa for official reports.
ยฉ 2026 Gabriel Mahia / AI Kung Fu LLC ยท MIT License
Part of the East Africa Coordination Stack
This MCP server is one of 32 tools in the Kenya coordination infrastructure.
Connect it to africa-coord-bus โ
the coordination event bus that routes signals between domains automatically.
All 32 servers: pypi.org/user/gmahia Live demo: coord-cascade-demo
IP & Collaboration
MIT licensed. Feedback via GitHub Issues only โ pull requests are not accepted. Demo data is labeled DEMO and is not suitable for operational decisions. Full policy: docs/architecture/IP_POLICY.md. Security reports: see SECURITY.md.
Part of the East Africa coordination stack
- Install & run:
pip install reli-cli && reli listโ 33 MCP servers on the official MCP Registry underio.github.gabrielmahia - Evaluate any model on Swahili agent tasks: kipimo ยท dataset ยท leaderboard
- Coordinate across servers: africa-coord-bus โ offline-first event bus with a built-in Kenya routing table
- Datasets: huggingface.co/gmahia ยท Docs hub: nairobi-stack
Model-agnostic by design: closed APIs, open-weight models, and small distilled models are all first-class citizens.
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