No app download. No smartphone needed. Works on any phone that can send a text.
SMS. WhatsApp. Both. Nobody changes a thing.
If you can send a TEXT, you're in.
Someone sends their proof. You don't lift a finger.
Every member builds a trust score based on their payment behaviour — not credit history, not connections. Just whether they show up every month.
Every Rand stays in your group's own account — the same TymeBank, Capitec, or FNB account you've always used. We only track who paid, when they paid, and who's next.
Members never pay anything. Ever.