The chama platform that prevents theft, enforces your rules, and builds your credit score

No single person can ever touch your group's money alone. Every withdrawal needs approval. Every rule enforces itself.

Create your chama โ†’ Already have an account? Sign in

What you get

Built to keep your chama's money safe

๐Ÿ”’

Anti-theft multi-signature

No treasurer or chairperson can withdraw funds alone. Every payout needs multiple member approvals before it moves.

โš–๏ธ

Automatic rule enforcement

Late fees, missed contributions, and penalties apply themselves โ€” no more being the bad guy who has to chase people.

๐Ÿ“ˆ

Accountability score

Every member gets a 0โ€“100 score based on payment history โ€” visible to the group, and eventually usable for bank loans.

How it works

1

Create or join a chama

Set contribution amounts, frequency, and penalty rules in minutes.

2

Members contribute and stay accountable

Contributions are tracked automatically, and everyone's score updates in real time.

3

Withdrawals need group approval

No one touches the money alone โ€” withdrawals only go through once enough members approve.

Ready to protect your chama?

Free to start. No credit card needed.

Get started free โ†’