The problem
The pain it kills.
Savings circles and community groups run on WhatsApp threads, paper books, and one trusted person's memory. Contributions 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 the lost WhatsApp threads, the paper books, and the trust gaps that community groups run on. Every group runs as its own tenant in its own name, logo, crest, motto, and colours, with an AI assistant called "President" that answers members from an officer-built knowledge base and auto-renames when leadership changes. Members pay and send proof, the collector confirms receipt, overdue members are suspended automatically, and the njangi collection order is decided by a live draw the whole group watches. The whole operation hangs off that trusted ledger: dues, loans and funds, a Bereavement Support Fund, member vetting, a Session Hub for meetings and carpools, Slack-like channels with a WhatsApp summary bridge, and (for clubs) a full coaching board. Set up in seconds, on any phone, with phone-and-PIN sign-in and no SMS gateway, in six languages.
How it works
How it works.
1. Start a group as its own app
Pick the kind of group - savings circle, sports club, alumni, association, or welfare fund - and it runs as its own tenant in its own name, logo, crest, motto, and colours, with members invited by an officer-vouched code that only works with the exact phone number entered.
2. Money everyone can trust
Members pay, send proof, and the collector confirms receipt into a ledger; overdue members are suspended automatically in the open; and the operation extends to loans with a guarantor, sinking and mutual funds, and a Bereavement Support Fund with auto-deduction.
3. Draw who collects, in the open
For a njangi, the collection order is decided by a live draw the whole group watches, so no one can claim it was fixed - and a vetting committee approves new members against criteria the group sets.
4. Everything in one place
Slack-like channels that replace WhatsApp (with a one-tap WhatsApp summary bridge), the President AI answering from officer-built knowledge, a Session Hub for meetings and carpools, decisions and bylaws, and clean printable end-of-round reports.
What you get
One platform, everything in its place.
- Runs any group as its own white-label app: njangi, sports club, alumni, association, or welfare fund, branded with logo, crest, motto, and colours
- Every coin accounted for: dues with auto-suspend, payments with proof and collector confirmation, loans, sinking and mutual funds, and a Bereavement Support Fund
- An open, live draw decides who collects and when, plus a vetting committee and officer-vouched invite codes
- The President AI answers from an officer-built knowledge base (onboarding Q&A, custom answers, uploaded PDFs) and auto-renames when leadership changes
- Slack-like channels with a WhatsApp summary bridge, a Session Hub for meetings and carpools, and (for clubs) a full coaching board
- Granular RBAC with eleven named permissions, private finances, phone-and-PIN sign-in with no SMS gateway, and end-of-round reports
- Six languages (English, French, Pidgin, Afrikaans, Kiswahili, Spanish), installs like an app on any phone
Who it is for
Who it is for.
Savings circles (njangi, susu, chama), sports and veterans clubs, alumni and cultural associations, and welfare and mutual-aid funds - any group that pools money or organizes people and is tired of doing it in WhatsApp.