Run the whole community, not only the money.

A complete operating system for trusted savings groups—from onboarding and contributions to approvals, welfare, penalties, loans, elections and auditable reports.

Every transaction stays accountable

Controlled approvalsSecretary, treasurer and chairman workflows protect financial actions.

Flexible group rulesWeekly or monthly cycles, due dates, grace periods and duplicate controls.

Community welfareManage death, wedding, newborn, charity and occasion-based support.

Built to scaleServe a small circle or a large community with bulk member imports.

Clear accountabilityAudit trails, statements, reports and complete transaction history.

Automatic communicationBranded alerts for members, payments, penalties, loans and approvals.

Operator independentNo lock-in to M-Pesa, Airtel Money, Mixx by Yas or one network.

One login, many groupsOne secure account gives a member access to every group they belong to.

Access from anywhereSupport members on different networks and those living outside the country.

Network-neutral membershipPeople using different mobile operators can join the same group.

Rules per groupEach group controls its own limits, penalties, expenses and contribution policy.

Governance includedRoles, elections, approvals and records strengthen disciplined leadership.

MFA security Group-specific settings Multiple groups Elections & governance

Akiba ya pamoja

Vikoba membership

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