The KiliShop Community Micro-Bond Growth Tier puts your money to work in real, income-generating last-mile e-commerce infrastructure — and pays you back with 30% interest at Day 30.
Not an abstract financial product. Your capital finances a live, operating parcel pick-up business — and the commissions it earns pay your 30% return at Day 30.
The Growth Tier is the default allocation for Series 001 — chosen for its optimal balance of strong returns and stable, community-embedded operations. Grade B agents have proven compliance records, consistent parcel volumes, and established relationships in residential and peri-urban areas.
"More than an investment — you're enabling local entrepreneurs and building digital infrastructure that will serve your community long after the bond matures."
— Kanyotu Munene, Director, Radi Afrika
No complexity. No jargon. Your money follows a transparent, contractually defined path — from your M-Pesa to a live KiliShop agent, and back to you with 30% on top.
Send as little as KES 2,000 from your phone. Funds pool with other Growth Tier investors to reach the KES 10,000 deposit threshold. Radi Afrika issues your personal Bond Certificate within 24 hours.
Min. KES 2,000 · M-Pesa · 24h certificatePooled funds pay the KES 10,000 Kilimall security deposit for a pre-vetted Growth Tier agent — like Agent Dennis in Nakuru or Agent Vincent in Machakos. Their shop opens and begins processing parcels immediately.
Pre-vetted · Grade B · Real contractsThe agent processes parcels earning KES 25 per delivery. On Day 30, Radi Afrika sends every Growth Tier investor their principal + 30% interest directly to M-Pesa — from real commission revenue.
Day 30 · Principal + 30% to M-PesaEvery Growth Tier agent has passed a rigorous, multi-stage vetting process before a single shilling of investor funds is committed.
Risk: A Growth Tier agent may process fewer parcels than projected, be suspended for operational violations, or be terminated by Kilimall (defined as fewer than 30 orders in any 90-day period). This reduces commission income available for repayment.
Mitigation: Radi Afrika implements structured agent selection with minimum foot-traffic assessments, permit verification, and signed Sub-Agent Service Agreements. Underperforming agents are identified monthly and proactively supported. Upon termination, Kilimall contractually refunds the KES 10,000 deposit within 3 months.
Risk: All commission income depends on the continued operation of Kilimall International Ltd.'s platform. Any significant disruption to Kilimall's business or logistics could reduce parcel volumes and commission income.
Mitigation: Kilimall is a long-established platform with over a decade of continuous operations in Kenya. The KiliShop network is central to their core logistics strategy. E-commerce structural growth in East Africa provides robust underlying demand.
Risk: This product does not permit early withdrawal. Investor funds are committed for the full 30-day Growth Tier term. Investors who need their money before Day 30 cannot access it.
Mitigation: The 30-day term is intentionally short to minimise commitment risk. Investors are strongly advised to invest only funds they do not need for the full period.
Risk: This product is in the process of regulatory classification with the Capital Markets Authority of Kenya. Future regulatory requirements could affect the structure, terms, or continued availability of this product.
Mitigation: Radi Afrika is engaging proactively with relevant authorities and is committed to full regulatory compliance. Any material regulatory development will be communicated to investors immediately.
Risk: Ultimately, repayment depends on Radi Afrika's ability to meet its obligations. If Radi Afrika were to become insolvent, investors may not recover their full principal.
Mitigation: Radi Afrika's repayment obligation is directly backed by the Kilimall commission income stream and the KES 10,000 Kilimall security deposit (refundable upon termination). Management is personally invested in the success of this programme and holds the Main Agent contract as its primary business asset.
Join the KiliShop Growth Tier — invest in last-mile e-commerce infrastructure and earn strong, revenue-backed returns. Starting from KES 2,000.
You are registering for the Growth Tier (30% / 30 days) — the flagship Series 001 allocation.
Designed in alignment with Kenyan capital markets regulations · Regulatory classification in progress with CMA Kenya · Ref: RAKA/OM/2026/001