Everyone seesevery cedi.naira.shilling.franc.cedi.
Build trust around money with complete transparency for contributions, savings, and community funds.
- Identity-verified members (KYC)
- Ntoboa never holds your money
- Every record visible, forever
Every group runs on trust in whoever holds the money
Records go missing. Treasurers travel. Susu collectors vanish. When one person holds the cash and keeps the book, a group is only ever as safe as that one person. Ntoboa replaces “trust me” with “see for yourself.”
Transparency
Every member sees who paid what, when, and every withdrawal, forever. No private ledgers, no “trust me.”
Security
Every member is identity-verified (KYC), and Ntoboa never holds your money, it moves on regulated rails, never through our accounts.
Discipline
Shared goals, gentle reminders and milestones that get weddings funded, funerals dignified, and projects finished.
Built for how Africans already save
If your group pools money toward a shared goal, Ntoboa keeps it transparent.
More than a savings app
As your group saves, Ntoboa helps members build credit, earn rewards, learn, and see exactly how they’re doing.
Build a credit history that counts
Saving with your group does more than reach a goal. Every contribution and on-time payment helps build a credit history. Through OminiHub:Score, our licensed credit-reporting partner, that reliability becomes a record banks and lenders recognise, for the group and for each member.
- Saving activity reported to credit bureaus
- A recognised credit history for every member
- Grows as your group keeps good habits
Payment history
On time
Circles completed
5
Reported to credit bureaus through OminiHub:Score. Illustrative only.
Get rewarded for good money habits
Earn points for saving on time, completing circles, answering in-app trivia on money skills, and taking part in partner offers. Points unlock founding-member perks and partner rewards. Points are rewards, not crypto.
- Points for on-time saving and completed circles
- In-app financial-education trivia
- Partner rewards and founding-member perks
Points unlock perks and partner rewards.
Learn as you save
A hub of plain-language resources on saving, investing and managing money, so members grow their financial know-how while they save together.
- Guides on saving and investing
- Everyday money-management tips
- A community to ask questions and share
See the full picture
Clear insights into how your group is saving and progressing. Opt in and link your own mobile wallet for personal insights too, just for you.
- Group saving insights for everyone
- Optional individual insights when you opt in
- Links to your mobile wallet, only if you choose
Plus polls, sub-goals, position swaps, partner discounts and more. See all features
Common questions
Start your group with confidence
Join the waitlist to be among the first groups on Ntoboa. Founding members get early perks at launch.