CartFlow

CartFlow · Collaborative Commerce OS

Organise demand. Match trusted supply. Fulfil together.

Post what you need, combine buying power, and invite verified suppliers to compete. CartFlow coordinates commitments, M-Pesa payments, quotations, allocation, delivery, and reputation for individuals, communities, suppliers, and institutions.

Also: Shop Marketplace · Create Checkout Link

Market pulse will appear here once verified public demand and supplier activity are recorded.

Active verified demand

Privacy-safe public opportunities. Demo rows are labelled.

View all
DemoRecurringVerified

Kilimani · Nairobi · Nairobi · ESTATE

Participants

1

Committed

KES 3,000

Quotes

2

Quote deadline

24 Jul

Commitment progress38%

How collaborative commerce works

Express need → aggregate commitment → verify demand → match supply → compare quotations → fund → award → fulfil → build trust → repeat.

  1. Step 1

    Express need

    Structured demand lines, not just a cart name.

  2. Step 2

    Aggregate commitment

    Members confirm quantities and payment responsibility.

  3. Step 3

    Verify demand

    Thresholds or organizer review before suppliers invest time.

  4. Step 4

    Match supply

    Deterministic, explainable capability matching.

  5. Step 5

    Compare quotations

    Landed cost, coverage, substitutions, reliability.

  6. Step 6

    Fund → Award → Fulfil

    M-Pesa ledger, split awards, allocation, receipt.

Browse Demand Exchange

Demand-side benefits

Structure needs, verify buying power before quotes, compare landed cost, and allocate deliveries to members — without scattering chats and spreadsheets.

Post a Need

Supply-side benefits

Declare capabilities without a full catalogue. Receive explainable matches and compete on structured quotations for verified demand only.

Supply Active Demand

Living Cart

A cart that never dies

Persistent intent infrastructure for families, estates, chamas, offices, schools, and construction teams — like a WhatsApp group, but for coordinated commerce.

Family Cart

Children add milk. Dad approves. Mum pays. Grandmother tracks.

4–8 membersWeekly

Estate Grocery Cart

Persistent weekly groceries for your estate block or phase.

5–20 familiesWeekly

Office Supplies Cart

Stationery, meals, and team supplies with approval limits.

3–15 staffMonthly

Chama Bulk-Buy Cart

Pool contributions and unlock wholesale pricing together.

10–50 membersMonthly

School Supplies Cart

Term shopping campaigns with parent confirmations.

20–200 familiesPer term

Construction Materials Cart

Coordinate cement, steel, and bulk materials across sites.

3–12 buyersPer project
Never expires unless archivedRecurring buying cyclesMember roles & approvalsSpending limitsHistorical payment reliabilityRepeat-order memory

Estate monthly groceries — demo

Living Cart · Active

5 members · Recurring weekly · Never expires

  • Maize flour 10kg × 3KES 4,500
  • Cooking oil 2L × 2KES 1,200
  • TotalKES 5,700
Try demo Living Cart

Group funding

Dynamic funding before fulfillment

CartFlow separates intent, commitment, funding, and fulfillment so organizers can know who is serious before placing the order.

Confirmed shares

Every member locks their portion before funding opens.

Partial payments

Track who paid, who owes, and outstanding balances.

Sponsors

One member can cover another until they settle later.

Promises to pay

Commitment without payment — visible to the organizer.

Group wallet

Shared balance for recurring estate or chama purchases.

Budget limits

Monthly caps per member, household, or category.

M-Pesa STK push

Familiar mobile money rails for each member share.

Payment reconciliation

Automatic matching of M-Pesa receipts to members.

Settlement visibility

Organizers see funds collected vs supplier due.

Supplier marketplace

Supplier quote marketplace

Aggregate group demand so suppliers compete on value — price, reliability, and delivery — not one-off discounts.

Westlands Estate — weekly groceries

47 households · KES 284,000

Closes in 3 days4 quotesNairobi

Karen Office Park — stationery bulk

12 offices · KES 96,500

Closes in 5 days2 quotesNairobi

Kiambu Chama — maize flour campaign

38 members · KES 152,000

Closes in 7 days6 quotesKiambu
  • View demand campaigns and group buying intent
  • Submit quotes and compete on price, reliability, and delivery
  • Receive consolidated orders from organised communities
  • Build TrustPass supplier score from fulfillment performance
  • Access repeat community demand across estates and SACCOs

Logistics

One delivery. Many buyers.

Consolidate fulfillment to estate delivery points, reduce transport costs, and close the loop with pickup confirmation and feedback.

Step 1

One supplier order

Organizer locks cart and places a single consolidated order.

Step 2

Member allocations

Each household's share is tagged inside the master order.

Step 3

Estate delivery point

One truck, one gate, one coordinated drop-off time.

Step 4

Pickup confirmation

Members confirm receipt — reduces disputes and follow-ups.

Step 5

Feedback loop

Ratings feed TrustPass and improve the next cycle.

TrustPass™

Trust-backed buying

Every participant builds a reputation asset from payment behaviour, participation, and group history — commerce becomes intelligent.

TrustPass™ turns reliability into an asset. Payment consistency, participation, fulfillment feedback, and group membership history combine into a score that guides who can commit, who needs reminders, and who requires pay-before-order safeguards.

TrustPass 82

Reliable contributor

TrustPass 61

Needs reminders

TrustPass 44

Pay-before-order required

Payment consistencyParticipation reliabilityFulfillment feedbackOrganizer ratingSupplier reliabilityGroup membership history
Learn about TrustPass

Infrastructure

Embed collaborative commerce anywhere

CartFlow CCOS is infrastructure — not just a checkout tool. Integrate Living Carts, payment intelligence, TrustPass, and supplier campaigns into your own apps.

Collaborative Cart API

POST /api/collaborative-carts
{
  "groupType": "estate",
  "intent": "weekly_groceries",
  "deadline": "2026-07-15",
  "paymentRail": "mpesa",
  "trustPass": true
}

Platform APIs

Stripe-thinking for group commerce: any website or institution can embed collaborative buying without moving stores or rebuilding M-Pesa reconciliation.

Collaborative Cart APIPayment Intelligence APITrustPass APISupplier Campaign APIWebhook-ready reconciliation

<CollaborativeCart /> · webhook-ready reconciliation

API documentationDeveloper settings & API keys

Built for how Kenya actually buys together

Estates, chamas, SACCOs, offices, schools, churches, cooperatives, and construction teams — not edge cases.

Estate weekly groceries

5 families, one cart, weekly playbook.

Chamas & families

Pool contributions and buy savings together.

Offices & teams

Shared stationery, meals, and supplies.

Schools

Class supplies and term shopping campaigns.

SACCO procurement

Member bulk buying with fair splits.

Farmer cooperatives

Aggregate demand for better group pricing.

Church events

Event shopping with clear member shares.

Construction teams

Coordinate materials and bulk orders.

Pricing

Infrastructure-aligned pricing

Free for buyers and organizers. Suppliers pay per fulfilled campaign. Institutions and API partners scale on the operating system.

Buyers & organizers

Free to start

Living Carts, group funding, M-Pesa split payments, and TrustPass basics.

Suppliers

Pay per fulfilled campaign

Quote on demand, fulfill consolidated orders, and build supplier reputation.

Institutions

Operating system plan

Estates, SACCOs, schools, churches, cooperatives, and procurement groups.

API partners

Usage-based infrastructure

Embed collaborative commerce, payment intelligence, and TrustPass in your app.

See full pricing

Frequently asked questions

CartFlow CCOS™ is a Collaborative Commerce Operating System — intent infrastructure for groups who buy together. It coordinates shared lists, commitments, M-Pesa funding, supplier quotes, delivery, and TrustPass reputation.

Families, estates, chamas, offices, schools, SACCOs, churches, cooperatives, construction teams, and suppliers serving organised community demand across Kenya.

CartFlow supports atomic commerce — one buyer, one cart, one payment — and coordinated commerce: many buyers, one intent, shared commitment, pooled funding, and group fulfillment. The operating system layer is what groups in Kenya actually need.

Create a Living Cart, invite members, collect items and confirmed shares, fund via M-Pesa, request supplier quotes, deliver once, and build reputation for the next cycle.

Each member pays their share via STK push. CartFlow matches incoming M-Pesa receipts to members automatically so organizers see paid, unpaid, and partial payments in one console.

TrustPass™ is CartFlow's reputation layer — a reliability score from payment consistency, participation, fulfillment feedback, and group history. Higher trust unlocks smoother buying; lower trust triggers safeguards.

CartFlow aggregates group demand into campaigns you can quote on. Win consolidated orders from estates and chamas, get paid through PIP settlement, and build a TrustPass supplier score for repeat business.

CartFlow exposes APIs for collaborative carts, payment intelligence, TrustPass, and supplier campaigns — so any app or institution can embed group commerce without rebuilding checkout.

For group buying: start a Living Cart or open the Organizer Console. For solo shopping: browse the marketplace or pay a seller link. For sellers: create a checkout link or explore Supplier Campaigns. Developers can integrate via API settings.

From group chat chaos to coordinated commerce

CartFlow CCOS™ is intent infrastructure for estates, chamas, families, offices, SACCOs, schools, and suppliers. One Cart. Many Buyers. Zero Confusion.