Saving groups, clearly run
The private ledger for ikibina groups.
Platform admins create a group and appoint managers. Members contribute a monthly share plus savings. Managers confirm the month. Payouts rotate. Loans stay on the same books.
Default contribution: RF 100,000 share + RF 5,000 savings. Configurable per group.
Umwana w'Ikibina · August 2026
Group savings
RF 2,450,000
Shares this month
RF 1,200,000
Active members
12
Monthly cycle
This month
Confirmed11 / 12
RecipientsAline, Jean
Loans outRF 350,000
Share pool + group savings
Confirmed months only
Rotating payouts
Loans with caps and penaltiesThe problem
WhatsApp proofs and paper ledgers do not scale with trust.
Scattered proofs
Payment screenshots live in chats. Managers cannot see who is confirmed without scrolling a thread.
Unclear next recipient
The rotating payout is the heart of an ikibina. If the order is informal, disputes follow.
Loans off-book
Interest, grace, and penalties are hard to apply fairly when the outstanding balance lives in a notebook.
How a month works
Four steps, one ledger.
01
Invite
Admins create the group and invite managers and members.
02
Contribute
Each member pays share + savings and can attach proof.
03
Confirm
Managers mark payments, review proofs, then lock the month.
04
Payout
The share pool is split among recipients. Savings stay in the pot.
Money model
Contributions rotate. Savings accumulate. Loans are bounded.
Monthly share
The larger amount (default RF 100,000) funds the rotating giveaway for the month’s recipients.
Group savings
The smaller amount (default RF 5,000) stays in the group pot and is visible on every dashboard.
Loans
Caps, interest, term, grace days, and overdue penalties are configured per group and versioned at platform level.
Product
Everything the month needs.
Members
Roles, invites, and active membership in one table.
Contributions
Recorded, pending, confirmed, or rejected — with proof.
Payouts
Lock recipients, then process the month from the same rules.
Loans
Requests, approvals, outstanding balances, and penalties.
Reports
Period snapshots for managers without a spreadsheet export ritual.
Audit log
Financial and admin actions are recorded, not remembered.
Versioned config
High-impact keys need a second platform admin.
2FA & sessions
Authenticator, recovery codes, and session review for admins.
Roles
Three doors, one product.
Platform admin
Create groups, appoint managers, invite people, review audit and backups, and change platform defaults with a recorded reason.
Group manager
Confirm contributions, lock payout recipients, process the month, and approve loans against the group’s configured caps.
Member
See the current period, submit this month’s contribution, follow payouts, and request a loan when the rules allow it.
Security
Built like an operations console, not a group chat.
JWT access with rotating refresh tokens, optional TOTP, signed proof links, and an immutable audit trail. High-impact configuration changes wait for a second approver when more than one platform admin exists.
Security detailsPortal-separated admin and group authentication
Magic link as a second sign-in option, not the default
Versioned system config with rollback
Daily backups with dry-run restore in the admin console
FAQ
Questions groups actually ask
Ready to run the next month in the open?
Sign in as a platform admin to create a group, or as a member to open your workspace.