Everything a savings group needs — in one trusted place
Run rotating savings with people you trust, without the spreadsheets, the missing money, or the awkward chasing.
System-controlled funds
No admin can withdraw group money. Payout order and rules are locked by the system when a group starts.
Learn more →Built-in trust score
Every on-time payment builds your reputation. After a 3-day grace period, unpaid contributions are marked missed.
Learn more →Secure payments
Contribute and receive payouts through integrated providers. In beta, payments are safely simulated.
Learn more →Invite & verify members
Add members by phone, verify identity for compliance, and start only when everyone has agreed to the rules.
Learn more →Transparent cycles
See who paid, who's next, and the full ledger for every cycle. No more guessing where the money is.
Learn more →Worldwide & multi-currency
Country-aware profiles, local address formats and five languages — designed for diaspora and home communities alike.
Learn more →Clear payment timeline — no surprises
Every member knows exactly what happens when a contribution is due. Rules are locked at group start and visible in the governance audit tab.
Due date
Each cycle, members contribute the fixed amount on the agreed schedule.
On time · +2 trust3-day grace period
You can still pay within 3 days after the due date with no missed-payment penalty.
Max 3 daysMissed payment
If still unpaid after 3 days, the contribution is marked missed — trust score drops and guarantee rules apply.
Missed · −10 trustStart a trusted savings group in minutes
Create your account
Sign up, verify your email and identity, and set your recovery security.
Create a tontine
Choose the type, contribution amount, frequency and number of members.
Invite & lock rules
Invite members, everyone agrees, and the system locks the rules and payout order.
Contribute & get paid
Pay each cycle, watch payouts rotate automatically, and grow your trust score.
Your group's money is protected by design
E-Tontine removes the biggest risk in traditional tontines — a single person holding everyone's money. Rules are enforced by the system, not by an administrator.
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No admin withdrawals
Funds move only according to the locked payout schedule — never to an individual's discretion.
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Encrypted & private
Your data is encrypted in transit and at rest, and is never sold to third parties.
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Signed digital contracts
Before joining a group, every member reads a one-page agreement, types their full name, and signs with the date — stored for disputes.
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25% guarantee fund
Each member deposits 25% of one contribution when joining. It protects the group if someone defaults or a dispute arises — it is not a platform fee, and it is returned when the tontine completes successfully.
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Full audit trail
Every contribution and payout is recorded in a transparent ledger visible to members.
One platform, many ways to save together
Family tontines
Pool money with relatives for big goals — school fees, ceremonies, or a shared investment.
Diaspora communities
Save across borders with your home community, no matter which country members live in.
Business & professional
Colleagues or cooperatives running rotating capital for equipment, stock or growth.
Community projects
Neighborhood groups funding shared projects with transparent, rule-based contributions.
Questions, answered
What is a tontine (or ROSCA)? +
What happens if I pay late? +
Is my money safe? +
How much does it cost? +
Do I sign a contract when joining a group? +
Are payments real during the beta? +
Which countries and languages are supported? +
Questions? Email us.
For help with your account, a savings group, or the platform — our team replies by email.
[email protected]