Enabler
The way people already save, now digitised.
Rotating group savings is the oldest financial product in the markets we serve. Tontine, susu, ikimina, upato. Maly Save puts it inside your wallet or app, with automatic collections and payouts.
The flagship product
A digital ROSCA that behaves like the real thing.
A rotating savings and credit association works because the group knows each other and the turn order is fair. Digitising it badly breaks both. Maly Save keeps the social contract and removes the cash handling, the paper ledger and the missed contribution.
Groups form between people who already trust each other: friends, family, colleagues. Nobody joins a stranger's circle.
Amount and frequency set by the group, based on its size and its goal, not by a product manager.
Contributions are collected on schedule through recurring mandates. The payout reaches whoever's turn it is, on time, without a treasurer holding cash.
Every member sees the position of the circle: who has paid, whose turn is next, what is due. Disputes end.
Why an institution wants it
A customer who has completed three rotating circles on schedule has a repayment history that no bureau file shows. That record feeds directly into scoring.
Contributions sit on your balance sheet between collection and payout. Group saving pulls informal cash out of tins and rooms and onto your book.
The full set
One ecosystem, four ways people put money aside together.
Digitised rotating savings. Private circles, flexible contributions, automatic collection and payout. The flagship.
Shared pots for birthdays, weddings and every other occasion. Everyone gives what they can, the gift is delivered instantly.
A digital piggy bank. Small recurring contributions towards a named goal, building the habit and the balance quietly.
Community crowdfunding in one tap, with visibility of where every unit of currency went.
Live and ready to scale
Integrated, tested and running inside a mobile money wallet.
The product is live in Congo-Brazzaville with no registration step: the customer signs in with their mobile number and starts. Because the wallet integration and the recurring payment mandates are already certified, a new operating company can launch commercially in four to six weeks.
- Mobile money integrated payments, collections and payouts
- Recurring mandates so contributions do not depend on a customer remembering
- Reachable by app, mini-app, USSD short code and web
- Maps directly onto national group savings digitisation agendas
Now happens on one trusted platform. More activity, more loyalty, more value per customer.
MTN, MoMo and associated marks are the property of MTN Group Limited and appear here to describe integration context only.
Start the conversation
Turn informal saving into your deposits.
Four to six weeks from agreement to a commercially launched product on rails we already run.