Where your money actually sits
Ghana has seen too many savings schemes where one person held the money and it vanished. Ntoboa is built so that can’t happen.
Ntoboa never holds your money
Ntoboa is a technology platform, not a bank. Your group’s contributions move through Ghana’s regulated mobile-money and card networks, they never sit in a Ntoboa account.
Every member is verified
Before a group starts saving, every member completes full identity verification (KYC) using a Ghana Card (preferred), passport, or driver’s licence. No anonymous members, you always know exactly who you are saving with.
Every cedi is visible
Every contribution and every withdrawal is recorded on a shared ledger that all members can see, forever. No single person holds the cash or controls the record.
Your data is protected
We collect only what we need to run your group, and we protect it. You stay in control of your information, handled in line with Ghana’s Data Protection Act through our partner OminiHub.
Ntoboa works with OminiHub, a licensed Financial Aggregator regulated in Ghana. Through OminiHub, payments move on regulated rails, saving activity is reported to credit bureaus (OminiHub:Score), and insured and investment circle options are provided by appropriately licensed partners. Ntoboa is a technology platform and does not hold customer funds.