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.
App Tour
See how Vikoba works
A quick tour of the real app — savings, groups, payouts, and mobile money, shown on actual screens.
Day or night, your dashboard
Your home screen adapts to how you use your phone — dark for evenings, light for bright daylight — without hiding balances or upcoming dues.
- Switch theme anytime in settings
- Balances and alerts stay readable in both modes
- Full Kiswahili labels throughout
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.
Security
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.