The opportunity
Trillions move through community groups, with no software underneath.
Savings circles (njangi, susu, chama), welfare and mutual-aid funds, alumni and cultural associations, and sports clubs pool money, run meetings, vet members, and support families every month, almost entirely informally. The tools they use, group chats and notebooks, were never built for money or for running an organisation, so disputes, fraud, missed dues, and dropouts are constant. The opportunity is the trusted record and coordination layer for community life, and it barely exists.
The wedge
We win on the one thing every group runs on: trust.
Payment rails exist; what community groups lack is a record everyone believes. Pamoja owns trust first: members pay and send proof, the collector confirms receipt, overdue members are suspended automatically in the open, and the njangi collection order is decided by a live draw the whole group watches. Once a group trusts the ledger, the entire operation hangs off it: dues, loans, funds, the Bereavement Support Fund, meetings, vetting, chat. The record keeps the group there, and every member is a built-in distribution channel.
Why it wins
The moat.
Any group, as its own app
One white-label platform serves clubs, savings circles, alumni networks, associations, and welfare groups. Each runs as its own tenant in its own name, logo, crest, motto, and colours, with an AI assistant named after its own President. White-label belonging, not a generic utility.
The President AI, on the group's own knowledge
Each group's assistant answers members from an officer-built knowledge base: standard onboarding questions for the group type, unlimited custom Q&A, and uploaded PDF and text documents. Only confirmed answers are used, with an AI fallback for out-of-scope questions. It auto-renames to the new President when leadership changes.
Trust features competitors do not have
Payment proof and collector confirmation, the open njangi draw, auto-suspend on overdue dues, and a Bereavement Support Fund with assessment levies and prepaid-wallet auto-deduction. Fairness made visible is hard to copy and easy to love.
TaTech engine
A shared multi-tenant platform, database-enforced security, granular RBAC, observability, and AI plumbing across a portfolio, so new group types and features ship fast and cheap.
Traction
Live, with real groups.
- Live at getpamoja.com, with real community groups running as their own tenants, not a demo.
- Runs the full cycle: dues with auto-suspend, payments with proof, loans, funds, the open draw, and end-of-round reports.
- Slack-like in-app chat with named channels replaces WhatsApp, plus a one-tap WhatsApp summary bridge for members without the app.
- Six languages and installable on any phone, with phone and PIN sign-in that needs no SMS gateway, built for how these groups actually operate.
Business model
Recurring software, with a money rail beneath it.
Subscription
Per-group plans by size and activity. Predictable, and it grows as a group's membership, rounds, and funds grow.
Payments
A small fee on the dues, contributions, and payouts already moving through groups every month.
Ecosystem
Welfare and insurance products, group lending, sinking and mutual funds, and savings features layered on a trusted ledger.
The ask
Let's talk.
We are raising to grow from live groups into a paid rollout across communities and the diaspora, wire the money rail, and build welfare, lending, and insurance products on top of the trusted ledger. If you back founder-led, AI-native software formalising a massive informal market, we should talk.