Meet Kiongozi
Kiongozi is Swahili for guide. It is the AI built into SBB, and unlike a general chatbot it works from your actual books — your transactions, balances, stock and invoices — not from whatever it can guess.
What it is good for
Telling you what needs attention today. The AI Brief reads the state of your business each morning and puts the few things that matter at the top: money that moved unusually, transactions waiting on review, balances that look wrong, receipts still missing.
Answering questions in plain language. "What did I spend on transport last month?" "Which customer owes me the most?" "Why is my cash lower than last week?" You get an answer grounded in your entries, with the numbers behind it.
Clearing the boring queues. AI workflows group the work that piles up — transactions to confirm, duplicates to check, expenses missing a receipt — into lanes you can work through quickly instead of scrolling one long list.
Reading messages and receipts. Signals turns mobile money SMS and photographed receipts into draft transactions, so a day of trading becomes a review job instead of a typing job.
What it will not do
It will not invent a number. If the books do not contain the answer, it says so rather than producing a confident guess.
It will not touch your data unless you have explicitly allowed it, and by default even then it asks first. See Trust, limits and permissions.
It is not a substitute for your accountant. It is very good at spotting what looks wrong; deciding what is correct — especially for tax and statutory filings — is still a human job.
Where you will meet it
| Place | What it does |
|---|---|
| AI Brief | Your daily read on the business — guide |
| Home | Short prompts about what needs attention |
| Transactions | Suggests categories; flags possible duplicates |
| Signals | Parses MoMo messages and receipt photos — guide |
| Collaboration | Summarises long threads so nobody reads forty comments |
| Reports | Explains what changed and why |
| Close | Lists what is still blocking a clean month-end |
Getting a good answer
Be specific about time. "Last month" is better than "recently". A date range is better still.
Name things the way your books do. If your category is "Transport", ask about transport, not "travel costs".
Ask follow-ups. It keeps the thread's context, so "and the month before?" works fine.
Check anything that surprises you. Every answer comes from entries you can open and inspect. If a number looks wrong, the fastest path is usually to look at the underlying transactions — quite often the AI is right and the books have a miscategorised entry.
Cost and limits
Kiongozi usage is measured in tokens. A question with your business context costs about 2,000 tokens; short questions cost less and a long report costs more.
Every paid plan from Growth up includes a monthly allowance — one pool for the whole business, not one per person:
| Plan | Tokens a month | ≈ questions |
|---|---|---|
| Free | 20,000 | ≈ 10 |
| Starter | packs only | — |
| Growth | 250,000 | ≈ 125 |
| Business | 1,000,000 | ≈ 500 |
| Enterprise | 3,000,000 | ≈ 1,500 |
The allowance resets on the 1st and does not roll over, and SBB tells the owner at 80% rather than at zero — so nobody meets the limit in the middle of a question.
Need more? Buy a pack, paid by mobile money. Pack tokens do roll over for as long as the pack is valid, and they are only used once the month's allowance is gone. See Plans & pricing for the four packs and what they cost.
When everything is used up the rest of SBB carries on working exactly as normal — only the AI features pause until the next month or the next pack.
Next
- The AI Brief — your daily read
- AI workflows — clearing queues fast
- Trust, limits and permissions — deciding what it may do
- Signals — messages and receipts into transactions