The story
The money is real. The record is a group chat and one person's memory.
Sports clubs, savings circles, alumni networks, cultural associations, and mutual-aid groups run on WhatsApp threads, paper books, and the memory of one trusted person. Dues get disputed, people argue over who collects next, proof of payment is screenshots scattered across chats, members vanish without paying, and nobody has one trusted record of who owes, who paid, and who got paid.
Pamoja replaces all of it. Each group gets its own app, in its own name: members pay and prove it, every coin is accounted for, overdue members are suspended automatically, and each group has an assistant named after its own President. Set up in seconds, on any phone, in the group's own language.
Any group
One white-label platform, every kind of group.
Pamoja runs a savings circle (njangi, susu, chama), a sports club, an alumni network, a cultural association, or a mutual-aid and welfare group. Each is its own tenant, with its own name, logo, crest, motto, colours, and assistant. The platform shapes itself to the group: a savings circle gets the rotation engine, a sports club gets the coaching board, and every group gets dues, chat, meetings, and the President AI.
The President
An AI assistant on your group's own knowledge.
"President" is the group's assistant, named after the role itself, and it auto-renames to the current President whenever leadership changes. It answers members from a knowledge base the officers build: standard onboarding questions for the group type, unlimited custom questions and answers, and uploaded PDF or text documents (bylaws, policies, a welcome pack). Only confirmed answers are used; for anything out of scope, an AI fallback steps in so a member is never left without a reply.
Money everyone can trust
Every coin, accounted for.
Dues with auto-suspend
Define dues with configurable components and a schedule; members who fall overdue are suspended automatically, in the open, so the organiser never has to chase or argue.
Payments with proof
Members pay and send their proof; the person collecting confirms they received it; every entry lands in a ledger. The "did you pay?" argument simply goes away.
The open draw
For a njangi, the collection order is decided by a live draw the whole group watches, so no one can claim it was fixed.
Loans and funds
Loans with a guarantor and interest, sinking and mutual funds members can borrow from, and an emergency fund, all tracked against the same ledger.
Bereavement Support Fund
A BSF with assessment levies and prepaid-wallet auto-deduction, so a family is supported the moment it is needed, without a collection scramble.
Insurance and reports
An insurance dashboard and clean, printable reports, so the books are closed, clear, and ready for the group.
The sports use case
For clubs, a full coaching board.
A sports club gets a coaching board on top of the same money and chat: a player pool with recruited guests, fixtures, starters and substitutes by position, score and formation, per-player stats, and a career leaderboard. The team is run where the dues, the chat, and the Session Hub already live.
Vetting
The right members, vouched for.
A vetting committee checks candidates against criteria the group sets, then approves and invites them. Invites are officer-vouched: a code only works with the exact phone number an officer enters, so no one slips in by forwarding a link. The group grows on purpose, not by accident.
Session Hub
Get everyone to the meeting.
Each session has a hosting address that opens in maps, member check-in states, carpool arrangement, and attendance, all in one screen. When it is over, one tap sends a WhatsApp summary so even members who were not there know what happened.
It replaces the group chat, too
Slack-like channels, with a WhatsApp bridge.
In-app chat with named channels (#general, #announcements, #players-forum, #executives, #bsf, #vetting) replaces the scattered WhatsApp threads, and a one-tap WhatsApp summary bridge still reaches members who are not in the app. Alongside it: meetings and minutes with an adoption workflow, an events and training calendar, decisions, bylaws, and alerts. The coordination that used to live on personal phones now lives where the money does.
Built right
Yours, private, and on any phone.
- White-label per tenant, each group runs the app branded as itself: logo, crest, motto, and colours, with an assistant named after its President.
- Granular RBAC, eleven named permissions decide exactly who can do what, and finances are private with per-member visibility.
- Phone and PIN sign-in, by phone or username and PIN, no SMS gateway required, with forgot-PIN handled by officer approval.
- Six languages on any phone, English, French, Pidgin (Cameroon), Afrikaans, Kiswahili, and Spanish, installable like an app, with a platform console for the TaTech operator.
Get started.
Start your group in seconds and invite members with an officer-vouched code.