π³ mkopo-mcp β Alternative Credit Scoring MCP Server
Compatible with claude-sonnet-5 (released 2026-06-30) β Anthropic's most agentic
Sonnet yet. Runs multi-step tool chains end-to-end without stopping short.
Install: pip install mkopo-mcp Β· Use with any MCP client.
Most East Africans transacting heavily on mobile money have no formal credit file β 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" β 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.
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 β invisible to formal credit systems.
M-PESA is the credit bureau that doesn't know it is one.
| Tool | What it does |
|---|---|
alternative_credit_score | Score from M-PESA behavioural signals (300β850 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 |
pip install mkopo-mcp # coming soon to PyPI
mkopo-mcp # starts on stdio
β οΈ DEMO data β not a real CRB product. Consult Metropol or CRB Africa for official reports.
Β© 2026 Gabriel Mahia / AI Kung Fu LLC Β· MIT License
This MCP server is one of 32 tools in the Kenya coordination infrastructure.
Connect it to africa-coord-bus β
the coordination event bus that routes signals between domains automatically.
pip install africa-coord-bus
All 32 servers: pypi.org/user/gmahia Live demo: coord-cascade-demo
MIT licensed. Feedback via GitHub Issues only β 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.
pip install reli-cli && reli list β 33 MCP servers on the official MCP Registry under io.github.gabrielmahiaModel-agnostic by design: closed APIs, open-weight models, and small distilled models are all first-class citizens.
Source-derived launch command. Check the maintainerβs required arguments and credentials before running:
uvx mkopo-mcpMerge this template into ~/Library/Application Support/Claude/claude_desktop_config.json. Keep existing servers. Add any arguments, credentials, and permissions required by the maintainer; this template has not been install-tested.
{
"mcpServers": {
"io-github-gabrielmahia-mkopo-mcp": {
"command": "uvx",
"args": [
"mkopo-mcp"
]
}
}
}Restart Claude Desktop completely for changes to take effect. Confirm the server appears connected in the clientβs tool list, then try a read-only example from its documentation.
Claude Desktop setup referencemkopo-mcppypiio.github.gabrielmahia/mkopo-mcp works with any MCP-compatible client. Copy the config snippet from the Configuration section above and add it to the file shown for your client, then restart the application.
~/Library/Application Support/Claude/claude_desktop_config.jsonRestart Claude Desktop completely for changes to take effect.~/.cursor/mcp.jsonRestart Cursor for changes to take effect..vscode/mcp.jsonReload VS Code window for changes to take effect.~/.codeium/windsurf/mcp_config.jsonRestart Windsurf for changes to take effect..mcp.jsonSave at the project root, then start Claude Code in that project and review the MCP server approval prompt. Keep real credentials out of shared files.