Run, repair, fuel, finance and insure every vehicle — in one place.
Carmie is the operating system for East Africa's automotive economy. It connects drivers, garages, stations and fleets around a single, permanent record for every car — with payments, the Provider OS, a marketplace, finance and insurance on top.
Mobile-money native · Escrow-protected · No card required
Every car gets a logbook that lasts a lifetime.
Most platforms just take bookings. Carmie keeps the history. Because the record is anchored to the vehicle — not the plate or the owner — it survives plate changes and resale, and a competitor starting fresh can never recreate it.
That trusted history is what makes everything else work: a fair-priced used car, a cheaper loan, better insurance, and a repair you can stand behind.
How the record builds a moatToyota Harrier
UBQ 123A
Gearbox rebuild — Ssebo Auto Garage
Mar 2024 · genuine parts
Front brake pads fitted
May 2024 · genuine-verified
Oil change & service
Nov 2024 · 84,200 km
Carmie Certified inspection
Feb 2025 · 50-point, passed
No accident tows · 1 previous owner · finance cleared
One platform, every part of the journey
From the first booking to the final sale — and everything in between.
The Vehicle Health Record
Every service, repair, tow and part is anchored to the car itself — surviving plate changes and resale. A permanent, portable logbook nobody else can recreate.
The Provider OS
Run a whole garage or station — work orders, digital inspections, inventory, invoicing, staff and reporting — not just the jobs that come from Carmie.
Payments, escrow & wallets
Mobile-money native. Customers pay into escrow and money is released when the job's confirmed; providers get instant payouts. Every shilling is on a double-entry ledger.
Parts, fuel & used cars
Genuine-verified parts and accessories, live fuel-price comparison, and used cars sold with their full history and a lien check. One marketplace, real trust.
Finance at the point of need
Repair BNPL, working-capital float for garages, asset finance and rent-to-own for bodas — underwritten on real vehicle and repayment data.
Insurance, end to end
Distribute motor cover, then handle the claim through the same network — tow captures the incident, the garage repairs it, Carmie settles.
Built for everyone on the road
Carmie is one platform with a tailored home for each player in the automotive economy.
Drivers & owners
Book trusted repairs, pay safely with escrow, and carry your car's full history for life.
Learn moreBoda riders
Keep earning — fast roadside fixes, pay-as-you-go maintenance and rent-to-own bikes.
Garages
Run your entire shop and get paid instantly — the Provider OS plus float to grow.
Learn morePetrol stations
Post prices, sell services and products, run fuel cards, and track wet & dry stock.
Learn moreTow operators
Receive nearby jobs, track them live, and settle to mobile money the moment you deliver.
Fleets & enterprise
One dashboard, preventive maintenance, fuel cards with anti-siphoning and net-30 billing.
Learn moreCar dealers
List with verified history, sell on installments, and finance buyers at the point of sale.
Learn moreParts & accessory sellers
Reach every garage with genuine-verified listings and real inventory tracking.
Financiers
Underwrite on Carmie's data, hold enforceable collateral, and service the whole loan.
Learn moreInsurers
Distribute cover and handle claims through the same tow-and-garage network.
Learn moreWaste collectors
Collect used oil, batteries and tyres with a compliance certificate and chain of custody.
How Carmie works
Add your vehicle — or your business
A driver adds a car; a garage brings its whole shop online. Records are keyed to the vehicle, so they last.
Book, repair, fuel, pay
Every booking, inspection, part and payment lands on the record and settles through one ledger.
Unlock finance, insurance & resale
That trusted history powers cheaper credit, better cover, and a higher resale price — all in one place.
Built for East Africa, not bolted on
The details that make a platform actually work here.
Mobile-money native
MTN, Airtel and M-Pesa are first-class — for payments, escrow, payouts and repayments.
Escrow-protected
Money is held until the customer confirms the work, so neither side has to trust a stranger.
Genuine-verified
Scan a part's code to confirm it's real — duplicate scans flag counterfeits automatically.
Multi-country & offline-ready
Built for the realities of the region — several markets, patchy signal, feature phones via SMS/USSD.
Put your vehicles — and your business — on Carmie.
Free to start. Sign up in minutes, with no card required.