Everything your group gets
Ntoboa is more than a savings app. As your group saves transparently, members build credit, earn rewards, learn, and unlock partner benefits, all on regulated rails through OminiHub.
Core features
Build credit history
Every contribution and on-time payment is reported to credit bureaus through OminiHub:Score, building a credit history that banks and lenders recognise, for the group and for each member.
Rewards & learning
Earn points for good financial habits, in-app financial-education trivia, and partner engagements. Points unlock founding-member perks and partner rewards. Points are rewards, not crypto.
Community hub
A hub of plain-language resources on saving, investing and managing money, so members grow their financial know-how while they save together.
Smart insights
Clear insights into how your group is saving and progressing. Opt in and link your mobile wallet for personal insights too, just for you.
Savings & Investments
Put group and member savings to work through OminiHub’s SEC-licensed investment partners, starting with capital-preserving options.
Group Insurance
Protect your circle with cover through OminiHub’s licensed insurance partners, so the group is looked after if a member can’t complete.
Smarter group saving
Tools that make saving together fairer and more flexible.
Polls
Make group decisions together. Vote on payout order, what to fund next, or changes to your group’s rules, so everyone has a say.
Sub-goals
Run several savings targets within one group, so different aims, a wedding, a build, a fund, can progress side by side.
Position swap
Need your payout sooner or happy to wait? Swap your spot in the rotation with another member by mutual agreement.
Partner perks
Rewards for saving with your group, from Ntoboa’s partners.
Discounts & coupons
Unlock discounts and coupons from Ntoboa’s partners as a reward for saving with your group.
Group tiers
Choose the circle type that fits your group. See pricing for fees (being finalised before launch).
Free
Free, transparent group management for schools, alumni groups and associations, track dues and funds in the open. Create susu circles from your group and enjoy discounted fees.
Insured
Adds protection through OminiHub’s licensed insurance partners if a member can’t complete.
Lending
Members can access early payouts within the group, on agreed terms.
Investment
Group funds can be placed with OminiHub’s SEC-licensed investment partners.
Payments, credit reporting, insurance and investments are provided through OminiHub, a licensed Financial Aggregator regulated in Ghana (credit bureau, payments, SEC-licensed investment and insurance). Ntoboa is a technology platform and does not hold customer funds.