B BimaTrack Sign in →
Insurance Field-Agent Distribution & Finance Platform · Blue Edition

One financial source of truth for your insurance distribution business.

BimaTrack connects agents, finance, partners and clients around a single ledger — so commissions, profit and every partner's share are derived from real payments, not estimates.

5Role-based portals
3Revenue-share partners
100%Audited transactions
10+Core backend services
What the system solves

Visibility, accuracy and trust — end to end

Every premium, commission and profit split flows through one double-entry ledger, so every portal shows reconcilable, audit-traceable numbers.

Visibility

Know who sold what, to whom, and whether the client actually paid — in real time.

Accuracy

Commissions are computed from confirmed payments, with automatic withholding-tax deduction and clawbacks.

Profitability

Revenue minus commissions, expenses and tax equals true profit — a live P&L, not a spreadsheet.

Fairness

Automatic, fully-logged three-way partner distribution per your configurable ratio.

Compliance

KRA-ready tax invoices, VAT and withholding-tax records, with eTIMS-compatible structure.

Trust

Every change to products and money is versioned and immutable — nothing is ever overwritten.

Portals & functions

Five role-based experiences, one backend

Each portal is a thin client over a shared API. Business rules and the ledger live in the core services so all numbers reconcile.

01

Admin Backend

Super-admins & operations

Users, roles, products, commission rules, approvals, revenue-share config and system-wide KPIs.

02

Finance Portal

Accountants & controllers

Reconciliation, commissions, expenses, ledger, P&L, VAT/WHT and period close.

03

Agents Portal

Field sales agents (PWA)

Register clients, capture KYC offline, quote products and track live commission earnings.

04

Client Portal

Insured customers

View policies, pay & renew online, download receipts and track claims.

05

Partner Dashboard

Revenue-share partners

Transparent view of net profit and each partner's automatically-distributed share.

System architecture

A layered, service-oriented platform

Business rules and the ledger live in the core services, so every portal reconciles to one source of truth.

Presentation Layer

Admin ConsoleFinance PortalAgent App (PWA · offline)Client PortalPartner Dashboard

API & Gateway

API GatewayAuth & RBACRate limitingRequest validationPayment webhooks

Core Services

Client & PolicyPayments & ReconciliationCommission EngineDouble-entry LedgerRevenue-Share EngineProduct VersioningNotificationsReporting / BIImmutable Audit LogScheduler

Data & Integration

PostgreSQLRedisObject StorageM-Pesa DarajaBank / CardAfrica's TalkingKRA eTIMS
Expense tracking & KRA compliance

Built for Kenyan financial compliance

Structured around KRA obligations so the books are always audit-ready — eTIMS e-invoicing, VAT and withholding tax handled per transaction.

eTIMS e-invoicing

Every sale issues a KRA-compliant electronic tax invoice with control-unit data and QR reference.

VAT (16%)

Output and input VAT tracked per transaction with automatic periodic return summaries.

Withholding tax

WHT auto-deducted from agent commissions, with certificates and remittance records.

Immutable trail

Locked accounting periods and tamper-evident logs satisfy auditor and KRA evidence needs.

Separation of duties

Agents capture, finance reconciles, admins approve — no single role creates and approves a payout.

Effective-dating

Product changes apply forward without altering past contracts — essential for dispute resolution.

See BimaTrack in action

Sign in with a demo account to explore each of the five portals — with live dashboards, commissions, distributions and the immutable audit trail.

Launch the demo →