The problem. Kenya's Social Health Authority owed county health facilities KSh 26.87bn as of 31 March 2026, up from KSh 8.29bn three months earlier. Roughly one claim in five by value is rejected, returned, or stuck awaiting documents. Two things go wrong: claims are submitted broken and the facility finds out weeks later when the patient is gone, and refusals arrive with no reason attached. Administrators call it an information black hole. You cannot appeal a decision nobody explained. What it does. Hakiki runs 12 payer conditions against the claim while the patient is still in the building, the only moment a missing pre-authorisation is still a correction rather than an appeal. At submission it records exactly which conditions the claim satisfied, timestamped. When a bare refusal arrives months later, it generates the appeal letter from that record. Two things nobody else builds. It looks for under-claiming, work in the notes that was never billed, KSh 8,520 found across eight claims. And it publishes its own false-alarm rate, because a compliance tool that hides that number is asking a hospital to take its word for it. Honesty. SHA publishes no machine-readable catalogue, so every tariff and document list is tagged REPORTED, MECHANISM or ILLUSTRATIVE, and the tag renders on each mark. The engine is the contribution, not the numbers. Swapping in the real pack is one file.

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