Kiungo
The industry exists. The system doesn't.
Kiungo is the operating layer for a sector. It holds the identity of every participant, the verified record of what they did and the settlement of what they are owed. Vertical one is housing and construction.
The problem
Three actors. One missing layer.
A citizen who wants to build. Ten to thirty counterparties, no reference price, no verified track record and no recourse. Kenya has a two million unit housing deficit and about 30,000 mortgage accounts.
The loop
From delivery to settlement
Submit
Quantity, photo and a GPS pin — WhatsApp or web.
Verify
EXIF, timestamp, hash and contract balance.
Route
Geo-resolution to the reviewer for that site.
Review
Approve, query or reject. Hard fails block batch.
Compute
Quality multiplier. Split 80 / 10 / 10.
Settle
Instruction recorded. Reliability recomputed.
Housing is vertical one. The layer underneath is sector-agnostic.
Verified entities
109
Evidenced deliveries
900
Counties covered
8
A portal shows you who exists. Infrastructure lets you work, prove it and get paid.