How Mali Works
From sign-up to your first dividend — everything you need to know about investing through Mali in three simple steps.
Sign Up & Verify
Register with your phone number and complete our 3-tier KYC process. Fast ID verification powered by Smile Identity — takes under 5 minutes.
We verify your identity to protect all investors on the platform. KYC Tier 1 requires basic info, Tier 2 requires a national ID, and Tier 3 requires proof of address — each tier unlocks higher investment limits.
Browse & Invest
Explore vetted SMEs with full financial disclosures. Filter by industry, return type, risk profile, and minimum entry. Invest from KES 500.
Every business on Mali goes through a rigorous 2-week due diligence process. You get access to full audited financials, business plans, and founder backgrounds before committing a single shilling.
Earn & Exit
Receive real ownership units and earn dividends or revenue-share payouts. Exit your position anytime via the secondary trading market.
Profits are distributed automatically to your Mali wallet — no paperwork, no delays. When you want to exit, list your units on our secondary market and sell peer-to-peer at market price in real time.
Frequently Asked Questions
Everything you need to know before you start.
What is the minimum investment?
You can start investing from as little as KES 500 on most listings. Some premium campaigns have higher minimums.
How does KYC verification work?
We use Smile Identity for biometric ID matching. Tier 1 takes 2 minutes, Tier 2 requires a national ID photo, and Tier 3 requires a recent utility bill or bank statement.
When do I receive returns?
Returns are paid per the investment schedule — monthly for revenue-share, quarterly for most equity, and at maturity for debt instruments. All payments land directly in your Mali wallet.
Can I lose my investment?
Yes — all investments carry risk. Mali provides full financial disclosures to help you make informed decisions. Never invest more than you can afford to lose.
How do I exit early?
List your ownership units on our secondary market. Other investors can buy your position at the current market price. Liquidity depends on demand.