Frequently asked questions

DreamFund is a digital and USSD wealth engine that helps informal workers and the underserved save consistently, grow money through regulated partners and acquire assets that increase their income. Goal-based savings, digital Chilimba / village banking, and purpose-driven investing, all from one wallet.

1. Create a free account.
2. Set an Individual Dream Fund, target amount, timeline, and monthly goal.
3. Top up your wallet via MTN, Airtel, Zamtel, or bank transfer.
4. Track progress, earn Dream Score, and optionally join a Chilimba circle or open a DreamInvest term.
5. When you're ready, connect with dealers or lenders who can see your savings story.

Your personal savings goal, a car, home, solar, school fees, livestock, and more. You set a target amount and timeline, deposit into your wallet, and watch your progress bar fill. Family and friends can chip in via a FinishLine share link.

Coming soon: automated savings reminders and goal-completion certificates.

A digital Chilimba circle, the modern version of village banking. A group of people contribute a fixed amount on a schedule (daily, weekly, biweekly, or monthly). Each cycle, one member receives the pooled pot. Rotation continues until everyone has had their turn.

Create a circle, invite members with a code, and track contributions and payouts in real time. The circle creator starts the rotation when all members have joined.

Coming soon: group announcements and member voting on circle decisions.

DreamFund is free to use, no subscription, no monthly plan. You get your wallet, dreams, circles, Dream Score, contribution links, and DreamInvest at no cost.

We make money from a flat 2.5% platform fee added on top of deposits and withdrawals. Deposit K10 and your phone shows K10.25, K10 lands in your wallet, K0.25 is the DreamFund fee. Your mobile money provider may charge their own processing fee separately.

AI Coach, contribution links, and all features are included at no extra cost.

No. DreamFund is a technology platform, not a licensed bank or deposit-taking institution. Your wallet is powered by regulated payment partners. We help you save, track, and present your history, we don't lend money directly.

From the Wallet screen, choose an amount and payment channel (mobile money or bank). We add a 2.5% platform fee on top, e.g. deposit K10 and approve K10.25 on your phone. Once payment clears, your balance updates automatically. In development mode without live payment keys, deposits may complete instantly for testing.

Dream Score is your savings credibility rating, built from consistency, balance, streaks, and goal progress. You can opt in to share it with lender partners when applying for financing.

Yes, create a FinishLine share link so friends, family, or employers can chip in directly to your goal via mobile money.

Coach Chanda is your AI savings assistant. Ask about budgets, timelines, affordability, and how to reach your dream faster. Replies are tailored to your goals and wallet balance.

DreamInvest lets you grow wallet funds toward a specific dream in fixed terms (30–365 days). It is separate from your liquid Wallet: money you invest is locked until maturity and allocated to licensed partner institutions. We show progress as "closer to your dream" , not abstract trading gains. Projected returns are not guaranteed.

We ask for basic KYC details (NRC, province, district, phone) in your Profile so we can verify identity, comply with financial regulations, and connect you to lenders or dealers when you're ready. Your data is protected under our Privacy Policy.

Yes. Switch to a Dealer account in Settings to list inventory, manage leads, and access Pro features (AI promotions, full lead pipeline) on a separate dealer subscription. Contact us for dealer onboarding help.

Email info@drivefund.app or read more on our About page.