The Digital Tontine Platform
Save Together, Grow Together
Vikoba brings the trusted tradition of community savings groups into the digital age. Create or join a group, contribute on schedule, and receive your payout — all from your phone.
Inside the Vikoba app
See how Vikoba adapts to you — themes, languages, strong security, and clear control over personal and group money.
Your look, your choice
See dark and light mode next to each other — easy on the eyes at night, crisp and readable in daylight. Switch anytime in settings.
Speak your language
Kiswahili, Français, and English side by side: the same screens in the language each member prefers, switchable anytime.
Lock it down
Your lock screen is the first gate — then PIN and biometrics on supported devices keep every sensitive step behind checks you control.
A wallet you can trust
This is your personal wallet view: balances and movements in one clear place, handled with the care you expect from mobile money.
Group funds, clear rules
Shared pots, contributions, and payouts stay visible to members so everyone sees how group money is collected and released.
Within reach, day or night
Review balances, upcoming dues, and history whenever you need — whether you are planning ahead or checking last minute.
Clear at a glance
Dashboards and summaries help you see where you stand with your groups and your wallet without digging through menus.
Pay and collect smoothly
Flows for paying in and receiving payouts are built around the mobile-money habits your community already uses every day.
Every turn, visible
Follow contribution status, payout order, and who is up next so there are fewer surprises and more trust in the cycle.
Stay in sync
Timely updates and reminders help the whole group stay on the same page before money moves.
Coordinate beside the numbers
Keep conversations close to the finances — discuss plans and questions where the context already lives.
Settings that fit you
Tune security, notifications, and preferences so the app matches how you and your device like to work.
Invite and grow
Bring people in with clear invites so your circle can scale while everyone sees the same rules and history.
Everything You Need
A complete platform for managing your savings group digitally
Group Savings
Create or join savings groups with clear rules — contribution amounts, cycle frequency, and payout schedules defined upfront.
Mobile Money
Pay contributions and receive payouts via M-Pesa, Tigo Pesa, or Airtel Money — move funds when it suits you, day or night.
Rotating Payouts
Members receive accumulated funds in turns. Choose sequential, random, or custom payout orders that fit your group.
Full Transparency
Every contribution and disbursement is recorded. All members can view the group's financial history in real time.
Smart Reminders
Automatic SMS and push notifications remind members before contributions are due, reducing missed payments.
Group Chat
Built-in messaging lets group members coordinate, discuss, and build trust — all within the app.
English, Swahili & French
Use Vikoba in the language you prefer. Switch between English, Kiswahili, and French anytime in the app.
Always Available
Open the app whenever you need it to check balances, schedules, and history — your group keeps running around the clock.
How It Works
Get started in three simple steps
Create or Join a Group
Set up a new savings group with your own rules, or join an existing one via invite link or code. Define contribution amounts, frequency, and payout order.
Contribute on Schedule
Make your contributions via mobile money on the agreed schedule. Track your payments and see the group's progress in real time.
Receive Your Payout
When your turn arrives, the accumulated funds are automatically sent to your mobile money account. No manual transfers needed.
Secure & Trustworthy
Your money and data are protected at every step
PIN & biometric protection
Unlock the app and confirm sensitive actions with your PIN, fingerprint, or face unlock when your device supports it — so only you control your account.
Identity Verification
KYC-compliant ID verification ensures all group members are who they say they are, minimizing fraud.
Secure Payments
All mobile money transactions are processed through verified payment gateways with end-to-end security.
Complete Audit Trail
Every contribution, disbursement, and penalty is logged. Full transaction history available for review at any time.
Ready to Start Saving?
Join thousands of groups already using Vikoba to save smarter, together.