Stelo's direct Android packages are published from stelo.co.ke. Choose the architecture that matches your phone, or use the Universal APK when you are unsure. Download controls remain disabled until a production-signed release has passed the release checks.
ARM64 is the best default for most current Android phones. The website can highlight another build when the browser exposes useful architecture information.
Most current Android phones use 64-bit ARM processors.
Best default for most current Samsung, Google Pixel, Xiaomi, Oppo, Vivo, Tecno, Infinix and other modern Android devices.
Production APK awaiting publication
Published with signed releaseFor older phones and tablets that still run a 32-bit ARM Android environment.
Production APK awaiting publicationPublished with signed releaseFor compatible 64-bit Intel/AMD Android systems and emulators when this ABI is included in the Flutter build.
Production APK awaiting publicationPublished with signed releaseThe Universal package bundles supported native architectures in one larger APK and is the simplest fallback when device architecture is unknown.
Production APK awaiting publicationPublished with signed releaseThe STL-WEB-05 publisher verifies APK signatures, generates immutable version folders, calculates SHA-256 checksums and updates this page automatically through /apps/android/releases.json.
Architecture-specific APKs avoid carrying native libraries your phone does not need. The Universal APK trades a larger file for simpler compatibility.
Recommended for most modern Android devices.
For older 32-bit ARM hardware.
For compatible Intel/AMD Android environments and emulators.
Use when you cannot identify the device architecture.
Android may ask you to allow installation from the browser or file manager you used. Do not disable Play Protect or other device-wide security controls.
Choose the package that matches your device and download it only from stelo.co.ke.
Open the completed download from your browser or Downloads app.
If Android asks, permit that browser or file manager to install the APK. Keep broader security protections enabled.
Confirm installation. Future direct updates require the same app identity and production signing certificate.
The publishing command refuses to release APKs unless Android's signing verifier reports the expected Stelo certificate. Each published file also gets a SHA-256 hash so its exact bytes can be checked independently.
The Stelo website publishes file identity and architecture details without pretending an APK is available before a signed production release actually exists.
ARM64-v8a is the recommended package for most modern Android phones. Use ARMv7 for older 32-bit ARM devices, x86_64 for compatible Intel/AMD Android environments, or Universal if you are unsure.
The website does not publish placeholder or unsigned APK URLs. Download buttons activate only after a production-signed release is processed by the release publisher.
Use only stelo.co.ke as the download host. The page publishes the APK's SHA-256 hash, while the release pipeline verifies its Android signing certificate before publication.
Normally yes when the application ID remains com.fortyhives.stelo, the new version code is higher and the APK uses the same production signing certificate.
The public guides explain how the Credit Profile, effective limit, loan decision and M-Pesa repayment states fit together.