Saving alone is hard. Get stacked with your people.
One shared savings vault for your chama, your family or your friends. Everyone pays in, nobody can take money out early on their own without a vote, and it’s all there on the date you agreed.
Three steps, then it looks after itself
No treasurer with a notebook. Nobody keeping everyone’s money in their own account. You agree the rules once, and the app remembers them better than the group chat does.
Agree the goal
Set how much, how often and by when. Invite your people. Decide together whether to keep it steady or let it grow — the vault is ready before you’ve finished arguing about the name.
Pay in, bit by bit
Send money by M-Pesa or card and enter your PIN. It’s in the vault in about nine seconds, and everyone can see it arrive. No one has to chase anyone.
Everyone gets paid
On the agreed date, each person’s savings, bonus and any growth go straight back to the phone or card they paid from. Nervous before then? The group can vote to play it safe.
Save steadily, or compound with yield
Keep your contributions steady in licensed virtual escrow, or look forward to upcoming Money Market Funds, Institutional Funds (T-Bills), and Base L2 digital asset DCA.
Grow together with institutional & digital yield
Every time members contribute, funds can be automatically allocated to regulated Money Market Funds, Treasury Bill funds, or Web3 digital assets. Your group votes anytime to de-risk and lock in gains.
Switch the group vault back to steady virtual escrow anytime and lock in gains. Six of eight members approve with biometrics to execute.
If someone leaves early, everyone else earns.
Sometimes someone needs their money early, and that’s allowed. They pay a small fee to leave, and that fee doesn’t come to us — it’s shared out among everyone still saving. A thank-you for sticking with it.
See who’s on track
A simple board shows how far along everyone is. Want to keep your numbers to yourself? Save under a nickname — people see your progress, not your money.
Compound with yield
Upcoming options to compound contributions into regulated daily-yield Money Market Funds (MMFs), Treasury Bills, or Base L2 digital asset DCA. Democratic voting lets the group de-risk anytime.
Sign in with your face
No passwords to forget and nothing to write down and hide in a drawer. Approve things with Face ID or Touch ID, or a code sent to your email if that’s easier.
Clear statements, every time
Every round ends with a PDF you can download: who paid what, the staying bonus, any growth, and the fees. Handy for records, and for settling old arguments.
Where your money actually sits
Not in a treasurer’s personal account, and not in ours. Every group gets its own locked account, and opening it early takes several members’ approval. That includes us — which is rather the point.
You pay in and take out in shillings, and you sign in with your face. There’s no crypto wallet to set up and no network fees to work out — that part is plumbing, and we cover it.
Questions, answered
Get early access with your group
Invites go out in batches, and each one has enough places for your whole group. Bring the people you’d trust to stick to a plan.