Pool money with
people you trust.
Without the spreadsheet wars.
A transparent ledger for families, ibimina groups, and investment clubs to pool money and invest together. Fair shares, computed automatically, every contribution and cashout.
Pooling money is easy.
Splitting it fairly is the hard part.
Aunt joined six months in. She thinks her share should equal everyone else's.
— every family pool, eventually
Cousin wants out before December. Nobody can agree what he's owed.
— the cashout argument
The admin spent every Sunday managing this. Nobody pays them for it.
— the unpaid treasurer
Built on the same math that runs unit trusts and SACCOs.
Every contribution buys units at the live net asset value. Every cashout redeems units at the live net asset value. The math doesn't take sides.
Late joiners pay today’s price
When someone joins after a year of growth, their money buys units at the NAV that day — not yesterday’s. They don’t dilute anyone, and they don’t get a free ride on past gains.
Cashouts settle to the cent
Whatever the pool is worth on the day of redemption, that’s the price. The system shows the working — capital in, profit ratio, fee, net to member — before anyone clicks approve.
Admins get paid, transparently
Set a performance fee — a small percentage of each member’s profit, taken at cashout. Never on capital. Never when the pool is at a loss. Visible to every member, every time.
Three moving parts.
That's the whole system.
Set the rules
Cadence, deadlines, lock-in, notice periods, admin fee. The pool's constitution lives in one place — and members see it.
Members contribute
Admin records each top-up with a payment reference. The system issues units at that moment's net asset value. No back-dated fairness debates.
Profits compound
Investments hit the pool — trades, lending, real estate, anything. Every member's share moves with it, proportionally. Cashouts settle at the current NAV — to the cent.
Two members. Different times.
Both treated fairly.
Step through a six-month story to watch unit accounting do its job. Aline starts the pool. Three months later, Patrick joins after the pool has grown. The pool's investments earn a return. Watch where each dollar lands.
Story
The whole thing.
Nothing missing.
Unit / NAV accounting
The same math that runs unit trusts. Late joiners can’t dilute. Early leavers can’t overdraw.
Performance fees, fair
A configurable cut of profit at cashout. Never on capital. Zero when the member is at a loss.
Lock-in & notice rules
Set a cool-down after joining and a notice window before redemptions. Members see the clock.
Audit trail
Every transaction tagged with a payment reference. Who did what, and when, kept forever.
Charts & dashboards
Pool growth, ownership, member positions. Built so a non-financial member understands them.
Multi-currency
RWF, USD, KES, UGX, EUR. One pool, one currency, no surprise conversions.
The groups already pooling money on a WhatsApp thread.
One percent.
Capped at $5.
You only pay when money actually moves. No subscription, no setup fee, no per-seat cost.
Per top-up. Per approved cashout.
Capped at $5 per transaction — the wedge that scales with your pool, not against it.
Free until your pool value crosses $80 — frictionless onboarding while you set up.
No subscription. No setup fee. No per-seat cost.
Estimate your fees
Average cashout assumed equal to average top-up. Your real numbers will likely be lower.
Show working
top-up fee: min($200 × 1%, $5 cap) = $2.00 cashout fee: min($200 × 1%, $5 cap) = $2.00 monthly: 10 × $2.00 + 1 × $2.00 = $22.00 volume: $200 × 11 txns = $2,200 rate: $22.00 ÷ $2,200 = 1.000% → below the cap. You're paying the full 1%.
A SACCO management software costs $1,500 / year, regardless of usage. We cost only when money actually moves.
Specific guarantees.
No security theater.
Every transaction has a reference
MoMo code, bank wire number, cash receipt — required, not optional. The pool’s books reconcile to real-world records.
Member-visible audit log
Every member sees every contribution, investment result, and cashout in the same place. Admins can’t quietly edit history.
The math is open
Unit / NAV accounting, the same standard used by unit trusts and SACCOs. We show the working at every cashout — profit ratio, fee, net.
Admin actions are timestamped
Approvals, rejections, rule changes — all logged with who and when. If your admin disappears, the next admin inherits a clean record.