💳 mkopo-mcp — Alternative Credit Scoring MCP Server

Compatible with claude-sonnet-5 (released 2026-06-30) — Anthropic's most agentic Sonnet yet. Runs multi-step tool chains end-to-end without stopping short. Install: pip install mkopo-mcp · Use with any MCP client.

Most East Africans transacting heavily on mobile money have no formal credit file — 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" — 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 — invisible to formal credit systems.

M-PESA is the credit bureau that doesn't know it is one.

Regular income deposits → income stability
Utility payment regularity → discipline signal
Savings behaviour (M-Shwari, chama) → future orientation
Fuliza usage ratio → short-term distress indicator
Business Paybill receipts → verifiable commercial activity

Tools

Tool	What it does
`alternative_credit_score`	Score from M-PESA behavioural signals (300–850 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

Terminal

pip install mkopo-mcp       # coming soon to PyPI
mkopo-mcp                   # starts on stdio

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)

⚠️ DEMO data — not a real CRB product. Consult Metropol or CRB Africa for official reports.

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 — the coordination event bus that routes signals between domains automatically.

Terminal

pip install africa-coord-bus

All 32 servers: pypi.org/user/gmahia Live demo: coord-cascade-demo

IP & Collaboration

MIT licensed. Feedback via GitHub Issues only — 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 list — 33 MCP servers on the official MCP Registry under io.github.gabrielmahia
Evaluate any model on Swahili agent tasks: kipimo · dataset · leaderboard
Coordinate across servers: africa-coord-bus — offline-first event bus with a built-in Kenya routing table
Datasets: huggingface.co/gmahia · Docs hub: nairobi-stack

Model-agnostic by design: closed APIs, open-weight models, and small distilled models are all first-class citizens.