What is a Tontine?
A tontine (also called "njangi", "susu", or "likelembé" depending on the region) is a traditional collective savings system widespread in Africa. A group of people meets regularly and each member contributes a fixed amount. In turn, each participant receives the total pot.
Challenges of Traditional Tontines
Despite their popularity, traditional tontines come with several risks:
- ❌ Risk of a member defaulting on payments
- ❌ No payment traceability
- ❌ Difficulty for diaspora members to participate
- ❌ No protection in case of disputes
ZekoraPay Tontine: How Does It Work?
On ZekoraPay, creating and managing a savings group is simple and secure:
- Create your group: define the name, members, amount, and contribution frequency
- Invite your members: by phone or shared link
- Automatic contributions: payments are automatically deducted at each deadline
- Transparent payout order: lottery or agreed order, everything is recorded
- Integrated video meetings: hold your assemblies directly in the app
Exclusive Benefits
With ZekoraPay, your tontine benefits from:
- ✅ Complete history of all payments
- ✅ Automatic notifications of upcoming deadlines
- ✅ Dispute protection via our mediation service
- ✅ Worldwide access for diaspora members
- ✅ Automatic financial reports for the group
"Since we started using ZekoraPay for our family tontine, no more payment delays! Everything is automatic and everyone sees payments in real time."
— Marie K., ZekoraPay tontine member since 2024
Start Your Digital Tontine Today
Join thousands of communities that already trust ZekoraPay for their collective savings. Download the app and create your first tontine in less than 5 minutes!