Last updated: May 2026 · Vibo Africa Platform
Welcome to Vibo Africa. By accessing or using our platform at vibo.africa, you agree to be bound by these Terms and Conditions. Please read them carefully before using our services.
By registering or using Vibo Africa services — including grant access, Koin wallet, PIK Pool, Cloud Link groups, and any related features — you confirm that you have read, understood, and agree to these terms. If you do not agree, you may not use our platform.
You must be at least 18 years old and a resident of Kenya to register and use Vibo Africa. By creating an account, you confirm that the information you provide is accurate, complete, and up to date.
The Koin digital unit is used exclusively within the Vibo Africa platform. It is not a cryptocurrency or legal tender. Koin balances may be earned through grant access payments, top-ups via M-Pesa, PIK Pool earnings, and Cloud Link sharing.
Members may deposit KOIN into the PIK Pool, which accrues daily interest at the current platform rate. Interest begins accruing after the applicable delay period from the date of deposit. PIK Pool participation is voluntary and not a guaranteed investment product.
Members may apply for KOIN-denominated access facilities (loans) through their Cloud Link group, subject to guarantor acceptance and platform approval. Interest accrues daily on the outstanding principal. Members are responsible for timely repayment. Failure to repay may affect your standing on the platform and your Cloud Link membership.
Members may buy and sell KOIN peer-to-peer through the Open Air Market. All trades are facilitated by the platform via M-Pesa payments. The platform charges a small transaction fee. Vibo Africa is not responsible for delays in M-Pesa processing or buyer/seller disputes beyond our control.
Cloud Link groups are member-led circles for savings, access facilities, and community engagement. Membership is subject to group rules and platform guidelines. Members must conduct themselves respectfully and honestly within their groups.
Certain features require completion of Know Your Customer (KYC) verification. You agree to provide accurate identity documents when requested. Vibo Africa reserves the right to suspend accounts that fail verification or provide false information.
You are responsible for maintaining the confidentiality of your login credentials and any two-factor authentication codes. You agree to notify us immediately of any unauthorised access to your account. Vibo Africa is not liable for losses arising from unauthorised account access due to your failure to secure your credentials.
You agree not to use Vibo Africa to:
Violation of these rules may result in immediate account suspension or termination.
Vibo Africa provides its platform on an "as is" basis. We do not guarantee uninterrupted or error-free service. To the fullest extent permitted by law, Vibo Africa shall not be liable for any indirect, incidental, or consequential damages arising from your use of the platform.
We may update these Terms and Conditions from time to time. Continued use of the platform after changes are posted constitutes your acceptance of the revised terms. We will make reasonable efforts to notify registered members of significant changes.
These terms are governed by the laws of the Republic of Kenya. Any disputes arising from the use of this platform shall be subject to the jurisdiction of Kenyan courts.
If you have any questions about these Terms and Conditions, please contact us at support@vibo.africa.