Mwanachama · member
Juma K.
"Nimelipa TSh 100,000"
Inasubiri sahihi ImesainiwaDaftari la kikundi, si pochi ya pesa
Every contribution is seen. Every turn is safe.
Hakuna senti inayotoka kwa neno la mtu mmoja. Kila mchango huthibitishwa na mweka hazina, na kila zamu huonyeshwa kwa wanachama wote kabla haijatolewa — mwanachama yeyote anaweza kuisimamisha. Every contribution is confirmed. Every payout is announced first, and any member can stop it.
Wanachama 12 · TSh 50,000 kila mzunguko
Zamu ya sasa: Amina H.
Shughuli za leo
Utaratibu wa msingi
Two signatures, not one. The total moves only when both exist.
Mwanachama anasema "nimelipa". Benki au mweka hazina anasema "imepokelewa". Sahihi moja peke yake haihamishi chochote.
Mwanachama · member
Juma K.
"Nimelipa TSh 100,000"
Inasubiri sahihi ImesainiwaMweka hazina · treasurer
Amina H.
"Nimepokea TSh 100,000"
Inasubiri sahihi ImesainiwaJumla ya kikundi · group total
TSh 0
Sahihi 0 kati ya 2. Hakuna kilichoingizwa.
Kikundi kazini
How a group actually uses it, illustrated step by step.
Kila hatua huachwa wazi: nani analipa, nani amethibitisha, na kiasi gani kimefika — kwa sahihi mbili.
The member pays through the app. Nothing is credited to the group until it is confirmed.
The member records it on any phone: the first of the two signatures.
The treasurer confirms receipt. Only now does the ledger move.
Ahadi za daftari
The rules that protect your group.
Your turn is never lost; the rotation holds your seat.
You will never be recorded twice for the same cycle.
The group decides: changes pass by vote, not by one person.
The treasurer can be replaced; the key changes hands.
Free reminders come first, before any turn is at risk.
If you leave, the books stay right for everyone else.
Mzunguko
Everyone reaches their turn; the pot travels the full circle.
Hesabu zamu yako
Move the sliders to see your own cycle.
Kila soko lina sarafu na viwango vyake — chagua nchi yako kwanza.
Kikokotoo hiki hakijumuishi ada ya huduma. Kila kikundi kina ada yake, na utaiona kabla ya kuthibitisha — si baada. Takwimu za kikokotoo ni mfano tu, si ahadi ya kifedha. This calculator does not include the service fee. Each group’s fee is set separately and shown to you before you confirm, itemised into the bank’s share and ours. The calculator is illustrative, not a financial promise.
Hatua tatu
Getting started takes minutes.
Anzisha kikundi na upate namba ya kujiunga ya kuwapa wenzako, au weka namba uliyopewa. Wanachama wanapiga kura kukukaribisha. Start a group and share its join code, or enter the code you were given — the members vote you in.
Kabidhi pesa kwa mweka hazina kama kawaida, kisha rekodi kwenye app. Yeye anathibitisha. Kila mtu anaona nani amelipa na nani hajalipa. Hand the cash to the treasurer as usual, then record it; they confirm. Everyone sees who has paid.
Mchango wote unakabidhiwa pale tu kila mwanachama amemaliza kulipa. Kisha zamu inasogea mbele. The pot is handed over only once every member has paid — then the turn moves on.
Soko nne · daftari moja
Four countries, four names for the circle. One ledger, two signatures everywhere.
TanzaniaTZS · +255
upatu
TSh 50,000 mchango wa kawaida · typical round
KenyaKES · +254
chama
KSh 2,500 mchango wa kawaida · typical round
UgandaUGX · +256
bika· SACCO
USh 70,000 typical round
RwandaRWF · +250
ikimina
FRw 25,000 typical round
Ukweli wa wazi
The honest limit — upatu does not pay interest, and we say so.
Kwa mzunguko mzima, unachanga na unapokea kiasi kile kile. Faida ya upatu si riba — na daftari la kuaminika huanza kwa kusema hivyo wazi.
Unapata kiasi kikubwa mapema kuliko ungeweza kujiwekea peke yako, na nidhamu ya kikundi inakufanya uendelee kuchanga mpaka mwisho wa mzunguko. Hakuna zaidi ya hapo — na hatutakuahidi zaidi ya hapo.
Over a full cycle you contribute and collect the same amount. Upatu’s value is access to a lump sum sooner than you could reach alone, plus the discipline of a group that expects you to keep going. Nothing more — and we will not promise you more.
Pesa husafiri kupitia benki, kwa hivyo tusingesema hatuzigusi. Tunachoweza kusema ni hiki: hakuna senti inayotoka kwa neno la mtu mmoja, kila ada huonyeshwa ikiwa imegawanywa — ya benki na ya Zipotu, kila moja peke yake — kabla hujathibitisha, na daftari ni lako: unaweza kulitoa wakati wowote.
Money moves through a bank rail, so we will not claim we never touch it. What we will say is this: nothing leaves on one person’s word, every fee is shown split into the bank’s share and ours before you confirm, and the record is yours to export whenever you want it.
Maswali ya kawaida
Common questions, answered plainly.
Ndiyo. Malipo husafiri kupitia benki tunayoshirikiana nayo, si mkononi. Kinachokulinda si kwamba hatuzigusi — ni kwamba hakuna senti inayotoka bila sahihi mbili, na kila ada huonyeshwa kabla hujathibitisha. Yes. Payments move over the bank rail we work with, not hand to hand. What protects you is not that we never touch the money — it is that nothing leaves without two signatures, and every fee is shown before you confirm.
Sahihi ya kwanza ni yako. Ya pili ni ya benki, ikiwa unalipa kupitia app - au ya mweka hazina, ikiwa umempa pesa mkononi. Bila sahihi zote mbili, hakuna kinachoingia kwenye daftari. The first signature is yours. The second is the bank’s if you pay through the app, or the treasurer’s if you handed the money over. Without both, nothing enters the ledger.
Ada zetu ni mbili, na tunazitaja hapa kabla hujaanza:
1% ya kila kiasi kinachotoka, na ada ya mwezi kwa kila
kikundi — kuanzia TSh 3,000 · KSh 130 · USh 3,500 · RF 1,400 kwa kikundi
cha hadi wanachama 10, ikipanda kikundi kikiongezeka.
Ada ya mwezi haikatwi mara moja. Hugawanywa kwenye zamu za mwezi huo, kila zamu
ikibeba sehemu sawa — kikundi cha kila wiki hulipa karibu TSh 692 kwa zamu, cha
kila mwezi hulipa TSh 3,000. Hivyo hakuna mwanachama mmoja anayebeba mwezi mzima kwa
sababu tu zamu yake ilifika mwisho wa mwezi.
Zaidi ya hapo, benki hutoza yake kwa kusafirisha pesa, nayo huonyeshwa kwenye mstari
wake mwenyewe ili ujue nani anachukua nini. Kila kiasi huonyeshwa kamili kabla
hujathibitisha, na maombi uliyokwisha tuma hayabadiliki ada ikipanda.
Two charges from us, stated up front: 1% of anything that goes
out, and a monthly fee per group — from about $1 for a
group of up to ten, rising as the group grows.
The monthly fee is not taken in one go. It is divided across that month’s turns, so
every recipient carries an equal share — a weekly group pays about TSh 692 a turn,
a monthly group pays TSh 3,000. No member carries a whole month simply because their
turn landed at the end of it.
On top of that the bank charges to move the money, shown on its own line so you can see
who is taking what. Every amount is shown in full before you confirm, and a request
already sent keeps the rate it was quoted.
Kwa sasa hapana. Msimbo wa kujiunga hufanya kazi ndani ya nchi ya kikundi tu; ni kinga, ili sheria na sarafu za kikundi zibaki mahali pamoja. Not yet. A join code works only within the group's own country. It is a safeguard, so a group's rules and currency stay in one place.