Kenya's Coffee Act, 2023 rewired how auction proceeds move. Once a lot sells, the Direct Settlement System requires at least 80% of the proceeds to reach the farmer within 5 days of sale. Every deduction a co-op takes off the top — inputs, transport, levies — is capped at 10% combined. A separate Cherry Advance Fund lends co-ops KES 40 per kilogram of cherry delivered, so members get cash before the final auction settlement lands.
None of that money moves correctly without records DSS can trust. Three things have to exist before the 5-day clock starts:
MkulimaOS is the Cooperative Operating System for Kenya's agriculture — member registry, graded intake, per-member settlement, and one-tap M-Pesa payout, live on a working Kenyan coffee estate today. A co-op running that chain already has the registry, the intake record, and the itemized settlement DSS requires, before a shilling moves under the 5-day rule.
MkulimaOS does not connect to the Direct Settlement System's government rails today — no integration code exists yet. It's designed to plug into DSS (roadmap): the registry, intake, and settlement data already sit in the shape a future DSS connection would need. Until then, a co-op runs its own settlement chain on MkulimaOS and stays audit-ready for when that connection ships.
No — MkulimaOS is designed to plug into DSS, which is roadmap, not shipped. What ships today is the registry, graded intake, per-member settlement, and M-Pesa payout chain a co-op needs to operate under DSS rules.
Within 5 days of the auction sale, at least 80% of proceeds must reach the farmer, with total deductions capped at 10%.
A government-backed facility that lends co-ops KES 40 per kilogram of cherry delivered, so farmers get an advance before the final auction settlement.
Set up in one afternoon. No card required. Running live on Kenyan coffee and poultry farms right now.