Modern cooperative software. Not a WhatsApp spreadsheet.
Verified members, reconciled contributions, real loan schedules, and a member portal that feels like a bank app. Run ajo, esusu, SACCO, workplace thrift, and trade cooperatives properly, with the audit pack ready for the regulator.
One platform, every shape the work takes
The defaults shift to match the format of your operation. Same apps, different vocabulary on the buttons.
- Ajo / EsusuRotating contributions with auto-rotation, no defaulters falling through.
- SACCOMembers deposit and borrow. Full accounting per member, regulator-ready audit pack.
- Workplace coopStaff thrift, salary-deduction loans, end-of-year payouts with one click.
- Trade coopMarket unions, transport co-ops, artisan groups. Verified members, levies, loans.
From spreadsheet to system
Members on a WhatsApp group, contributions tracked in a spreadsheet, loan schedules in another. Members regularly asked for their balance because the books didn't agree.
Members log in to see their balance, their next contribution, and their loan schedule. Every payment lands tied to a member. Bank statements auto-reconcile against pending entries on the same day.
“Our members stopped calling the secretary for balances. The app gives them the number. The trust went up the day we switched.”
- Members verified (BVN/NIN)
- 1,284
- Active loan portfolio
- ₦42M
- On-time repayment
- 96%
- Audit pack
- Auto · regulator-ready
The stack behind cooperatives & thrift
Four apps that already know each other. Add the rest of Cloud when you outgrow these.
Cooperatives run on trust. The platform makes the trust visible.
Every member sees their balance. Every admin sees the books. The regulator can audit. The thing your members already do, only with receipts.
The cooperative your members already deserve.
Start free up to 100 members. Onboard the rest as you grow.