Special Features

Bloom is designed with flexibility at its core, offering features that adapt to real-life saving habits. Users can choose from multiple saving systems—daily, group-based, or goal-oriented—based on what works best for them. The app also supports participation in several savings groups at once, all managed seamlessly in one place. With customizable saving plans, users can set amounts, timelines, and reminders to fit their unique needs. Bloom makes saving simple, social, and personalized for every kind of saver.

Multiple Saving Systems

Bloom! supports diverse saving systems including daily savings, group contributions, goal-based savings, and emergency funds. Whether you're part of a rotating savings group or saving individually, Bloom adapts to your preferred method—making it easy for anyone to stay consistent and achieve their financial goals on their own terms.

Join Multiple Groups

With Bloom!, users can belong to multiple savings groups simultaneously. Whether it’s a family fund, a business circle, or a community project, you can manage all your group contributions from one app. Each group is tracked separately, offering flexibility, transparency, and a holistic view of your financial commitments.

Customizable Saving Plans

Bloom! allows savers to tailor their saving schemes to fit their lifestyle and income patterns. Set custom saving amounts, durations, reminders, and goals—whether you're saving daily, weekly, or monthly. Personalization makes it easier to stay on track, remain motivated, and build a financial plan that actually works for you.

About the Bloom! App.

THE BLOOM! APP: Bloom is a mobile-first platform revolutionizing grassroots finance across Africa. Designed for the unbanked and underserved, it enables users to save as little as $1 a day, access community-backed microloans, and build long-term financial security. With integrated mobile money, biometric KYC, and offline functionality, Bloom is built for scale in low-income, high-potential markets. As we expand to 11 countries and 20 million users, Bloom offers investors a rare opportunity to drive inclusive growth and generate sustainable returns.

PAYMENT CHANNELS: Bloom offers a wide range of secure and convenient payment options to ensure accessibility for all users. These include popular mobile money platforms like M-PESA, Airtel Money, and MTN MoMo Cash, as well as global payment systems such as VISA, MasterCard, Google Pay, Apple Pay, and PayPal. This broad integration allows users across Africa and the diaspora to save, invest, and transact with ease—anytime, anywhere.

ALL-IN-ONE APP:The Bloom app is now an all-in-one financial solution, combining savings, microloans, digital payments, and rewards in a single, easy-to-use platform. Designed for simplicity and accessibility, Bloom empowers users to manage their money, grow their savings, and access credit—all from one app. Whether you're saving daily, sending money, or earning loyalty rewards, Bloom brings everything together in one seamless experience to build financial freedom from the ground up.

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Our Creed.

At the heart of Bloom is our powerful motto: "Save Small, Grow Big." It reflects our belief that financial growth doesn’t require large sums—it starts with small, consistent steps. By saving just a little each day, users can unlock life-changing opportunities over time. This approach makes financial inclusion a reality for everyone, regardless of income. Through disciplined saving, access to microloans, and community support, Bloom empowers individuals to build wealth gradually, with confidence. “Save Small, Grow Big” is more than a tagline—it’s a promise of transformation through simplicity, consistency, and the power of collective growth.

Our innovative technologies and marketing approach will inspire a Savings culture among the low and mid income earners. As well as provide easy access to tailored LOAN products.

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Bloom! Rollout Plan.

PHASE 1:

On board 300,000 saving clients in the first 3 months. (Uganda Pilot)

The Bloom App will begin with a soft launch in Kampala, focusing on engaging bodaboda riders and small-scale market women — key segments of the unbanked population. The goal in this initial phase is to build trust, test operations, and onboard 40% of our target users in Kampala. We will implement community outreach through local SACCOs, market associations, and boda stages. To generate grassroots awareness and user familiarity, we’ll run street activations, demo sessions, and set up information tents in high-traffic areas.
PHASE 2:

4 million savings clients within 12 months (Uganda and Kenya)

A 500-member trained field sales team will be deployed to assist with onboarding and support, backed by a WhatsApp line for user queries. To encourage growth, we’ll launch a referral incentive program to reward users who bring in others. Marketing will rely on hyperlocal strategies: vernacular radio and talk shows, printed flyers and posters in community hubs, and trusted influencers who can connect with our audience on platforms like Facebook, WhatsApp, and TikTok. By the end of this phase, we aim to achieve 4,000 daily active users, retain 80% of onboarded users, and reach $2,000,000 in cumulative savings across the platform
PHASE 3:

20 million saving clients within 36 months from 11 Africans countries, Uganda, Kenya, Tanzania, Rwanda, Burundi, South Sudan, Zambia, Malawi, Zimbabwe, DR Congo and Ethiopia.

With a proven model anchored in community-based financial inclusion, Bloom! will accelerate its growth trajectory by scaling across 11 African countries over the next 36 months. These countries including, Uganda, Kenya, Tanzania, Rwanda, Burundi, South Sudan, Zambia, Malawi, Zimbabwe, the Democratic Republic of Congo, and Ethiopia which represents a combined population of over 400 million people. The majority of whom remain underserved by traditional financial institutions. Our goal is to reach 20 million active saving clients across these markets, using a phased, data-driven, and locally-adapted approach.

Big Things.

Bloom is expanding to 11 African countries over 36 months, aiming to reach 20 million saving clients. Starting in Uganda, the rollout extends to Kenya, Tanzania, Rwanda, Burundi, and South Sudan, then into Zambia, Malawi, Zimbabwe, DRC, and Ethiopia. The strategy combines local agent networks, SACCO/VSLA partnerships, and multilingual support. With robust tech, marketing, and field operations, Bloom will onboard 550,000 users monthly—building a continent-wide, community-driven savings and microcredit ecosystem for financial inclusion and resilience.

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Bloom! Opportunity.

There are over 390 million registered mobile money accounts in East Africa with 55% active users. Bloom! can leverage 10% of this 210 million active users as our saving clients. We project 5% daily withdrawals at 3% transaction fees. The 33% revenue sharing with the telcos would the projected revenues are $1,764,000 million per year.Bloom! presents a unique opportunity for investors to tap into Africa’s fast-growing fintech landscape while creating measurable social impact. With over 400 million unbanked adults across the continent, there’s a massive untapped market for inclusive financial services. Bloom’s model—digital community savings and microcredit—targets this underserved segment with scalable, tech-driven solutions tailored to real grassroots needs.

Investors benefit from an agile, high-growth venture operating in markets with rising mobile penetration, fintech-friendly regulation, and increasing demand for savings and credit tools. With low client acquisition costs, strong retention via community networks, and a purpose-built platform, Bloom offers high return potential with reduced risk.

The dual advantage is clear: competitive financial returns and lasting social value. Investing in Bloom! means becoming part of a transformative movement to reshape Africa’s financial future while unlocking significant long-term profitability

The Bloom Token is a digital asset designed to power transactions within the Bloom ecosystem. It rewards saving behavior, facilitates peer-to-peer lending, and unlocks loyalty benefits for users. Members earn tokens through consistent saving, referrals, and community engagement, which can be redeemed for services, discounts, or traded within partner networks. As Bloom scales across Africa, the token will become a vital tool for incentivizing financial discipline, enabling decentralized finance, and building wealth from the grassroots up.

Bloom! Technologies LTD.
P.O. Box 3865 Kampala, Uganda
HQ. Bukasa, Muyenga
Kampala City - Uganda
T. +256 722 980 123
T. +256 707 883 380
E. This email address is being protected from spambots. You need JavaScript enabled to view it.

Using the App Policy.

At Bloom1, we value your privacy. We collect only the data necessary to provide, improve, and secure your experience—such as your name, contact details, and transaction history. All personal information is stored securely and never shared with third parties without your consent, except as required by law. We use encryption and industry-standard practices to protect your data at all times. Bloom is a community-based financial platform designed to facilitate savings, digital payments, and microloans among users. We do not offer financial advice, investment recommendations. By using Bloom!, you agree to our terms and acknowledge that your use of the platform is voluntary and at your own discretion. We are committed to transparency, trust, and empowering users to build better financial habits—safely and responsibly.