01
Register with your phone
Sign up with your phone number and a one-time code by SMS. No email, no documents — your identity is your number plus the trust of your group.
Step 1
Your group, running
in six simple steps
The process
Six steps, start to share-out
06 stages · roughly ten minutes to set up
02
Create or join a group
Start a social group or a savings group, then invite people by phone or a link. Savings groups choose a chama (pooled lending) or a merry-go-round (rotating payout).
Step 2
03
Agree your rules
Your group sets the contribution amount and frequency, interest method, loan limits, payout order, and cycle length. The app enforces what you decide.
Step 3
04
Contribute & transact
Pay in with an M-Pesa prompt, or let the treasurer record cash. Every payment posts to a shared, append-only ledger that everyone can see.
Step 4
05
Lend, rotate, or share out
A chama lends the pool to members with interest and shares out at the end of the cycle. A merry-go-round pays the whole pot to one member each round.
Step 5
06
Stay accountable
Open statements, contribution tracking, and elected office bearers keep the group honest — the way a well-run chama already works, only easier.
Step 6
Every contribution logged
Works on any phone
No paperwork, no ledgers
That's it — your group is running
Create your account and set up your first group in minutes.
