M-Ficha: SMS Messenger

Messaging with M-Ficha M-Ficha is a modern SMS messenger with the added benefit of real-time financial privacy. MESSAGING FEATURES Primary SMS Handler: Use M-Ficha as your default app to send and receive SMS and MMS messages with a fast, modern interface. Dual-SIM Support: Manage messages from multiple carriers (Safaricom, Airtel, Telkom) seamlessly within one unified inbox. Search & Archive: Find conversations instantly and archive old chats to keep your workspace clean and organized. ADVANCED PRIVACY & MASKING M-Ficha provides a unique "Privacy Shield" layer for your digital conversations: Instant Balance Masking: While viewing your messages, the app automatically identifies M-PESA and Airtel Money receipts and hides your Account Balance. Safe Verification Mode: Show merchants only what they need to see (Transaction Code, Name, Amount) while masking your account balance from prying eyes. Non-Destructive View: M-Ficha redacts sensitive data in the UI for your safety, while your underlying messages remain intact and accessible only to you. Smart Mchango Tracker (Treasurer’s Assistant) Tired of manually adding up contribution totals from your SMS inbox? M-Ficha turns your phone into a professional fundraising assistant. Auto-Detection: Automatically identifies M-PESA contribution receipts as they arrive. Live Campaigns: Create dedicated campaigns for weddings, medical bills, or parties. Instant Summaries: Get real-time totals and contributor lists without lifting a finger. Shareable Reports: Export clean, professional PDF or text summaries to share with your WhatsApp groups. Privacy First: All financial parsing happens locally on your device. We never see your balances or contributor data. 100% LOCAL & SECURE We believe your private conversations and money are your business. To ensure maximum safety: Zero Server Transmission: M-Ficha is a strictly local app. No message data is ever sent to or stored on a server. Offline Processing: All SMS parsing and redaction happens on your device. You don't need an internet connection for your privacy features to work. No Data Collection: We do not track, store, or sell your transaction or message history. WHY CHOOSE M-FICHA? All-in-One Utility: Enjoy a unified experience of standard texting and advanced financial security in a single app. Secure Daily Payments: Verify payments in matatus, supermarkets, or at fuel stations without the person next to you seeing your mobile money balance. Confidentiality: Keep your wealth a secret. Verify rent or business payments without revealing your full financial status. Download M-Ficha today — Your messages, your money, your privacy.