A money market fund built for the way Kenyans actually save.
RockWin Investment exists to give Kenyans a serious, transparent home for their savings. Regulated by the Capital Markets Authority, held in trust at I&M Bank, and independently audited.
Our story
Access to professional investment products in Kenya has historically required paperwork, physical visits, and minimum deposits that excluded most people. Money market funds — one of the safest and most accessible ways to grow savings — were effectively out of reach for anyone outside a narrow slice of the market.
RockWin was built to close that gap. A mobile-first platform where anyone with a national ID, an M-PESA number, and KES 1,000 can open an account and start earning daily interest in about three minutes. No paperwork, no lock-in, no exit penalties.
We are regulated by the Capital Markets Authority, assets are held in trust at I&M Bank — separate from RockWin's own balance sheet — and the fund is independently audited. The money you deposit does not touch our operating accounts.
How we operate
Three principles, in order of priority.
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01
Your money is never ours
Client deposits are held in trust at I&M Bank under a trustee agreement approved by the CMA. RockWin operates the fund but does not hold client cash on its own balance sheet. This separation is the single most important structural safeguard in a regulated collective investment scheme.
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02
Every rate is published
The current yield, management fee, trustee fee, custodian fee, and total expense ratio are published on the fund factsheet and updated monthly. There are no hidden charges, no exit fees, and no performance-based fees.
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03
Interest compounds daily, not monthly on a marketing slide
Interest accrues on your closing balance every night at the fund's current yield and is credited as units the following morning. Because it is credited as units, it compounds automatically — you do not need to do anything to earn the compounded return.
Who holds us to account
Three independent institutions, each with a different job.
- Capital Markets Authority
- Regulates RockWin and the fund. Approves the trust deed, information memorandum, and fee structure. Conducts ongoing supervision.
- I&M Bank — Trustee & Custodian
- Holds client assets in trust. Administers the fund independently of RockWin's management. Ensures the assets exist and are properly recorded.
- Deloitte — Independent Auditor
- Audits the fund annually. The audited financial statements are available on request and filed with the CMA.
Who runs RockWin
The people responsible for the platform and the fund.
Charles Kamau
Co-Founder & CEO
Former Head of Digital at a Tier-1 Kenyan bank. Twelve years across fintech and investment management.
Grace Mwangi
Co-Founder & COO
Previously led operations at a leading money market fund. Specialist in CMA compliance and fund administration.
James Ochieng
Chief Investment Officer
CFA charterholder with fifteen years in fixed income and treasury management across East Africa.
Sarah Kilonzo
Head of Engineering
Built and scaled payments infrastructure at multiple Kenyan fintechs.