Features

How approval works, and how the circle turns.

Two mechanics that make group money trustworthy: a strict approval chain for anything that leaves the pool, and an automated rotation for the merry-go-round.

How approval works

Every loan and withdrawal answers to three people, in order.

Not a vote, a sequence. The Treasurer sees it first — and can adjust the amount — then the Chair, then the Secretary. One "no" anywhere ends it.

1

Treasurer reviews

Can edit the amount up or down before approving

2

Chair confirms

Only sees it once the Treasurer has signed off

3

Secretary finalizes

Final sign-off before any money moves

Paid out

Straight to the member's M-Pesa number

The merry-go-round

The oldest trick in table banking, running itself.

  1. The Treasurer sets the order. A fixed amount, a frequency, and a turn for every member who's in.
  2. Everyone but that cycle's recipient pays in. Straight from their wallet, no reminders needed.
  3. The pot pays out the moment it's full. Automatically, to whoever's turn it is — no one has to release it manually.
  4. The circle turns. Next cycle, next member, until everyone's had their turn.
Also included

The rest of what runs a chama properly.

Welfare fund

A ring-fenced pool for emergencies, kept separate from the main savings and loan pool.

Meetings & fines

Track attendance, and let the group's own fine rules apply automatically.

Loan guarantors

Group-set limits, and the option to require a guarantor before a loan even reaches the Treasurer.

See it running with your own group.

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