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.
Create groups with 2–50 members and customise contribution cycles from weekly to quarterly.
Mobile Money
Pay contributions and receive payouts via M-Pesa, Tigo Pesa, or Airtel Money — move funds when it suits you, day or night.
Supports M-Pesa, Tigo Pesa, Airtel Money and more — using the payment rails your community already trusts.
Rotating Payouts
Members receive accumulated funds in turns. Choose sequential, random, or custom payout orders that fit your group.
Sequential, random, or member-voted payout order — your group decides, the app enforces it.
Full Transparency
Every contribution and disbursement is recorded. All members can view the group's financial history in real time.
Every transaction is cryptographically signed and visible to all members. No hidden movements.
Smart Reminders
Automatic SMS and push notifications remind members before contributions are due, reducing missed payments.
Customisable reminder windows (1 day, 3 days, 1 week before) via SMS and in-app push.
Group Chat
Built-in messaging lets group members coordinate, discuss, and build trust — all within the app.
Threaded group chat linked to each contribution cycle — no context switching needed.
English, Swahili & French
Use Vikoba in the language you prefer. Switch between English, Kiswahili, and French anytime in the app.
Full UI and all notifications delivered in English, Kiswahili, or Français.
Always Available
Open the app whenever you need it to check balances, schedules, and history — your group keeps running around the clock.
99.9% uptime SLA backed by Hetzner Kubernetes infrastructure with automated failover.
Ready to put these features to work?
Download the app and start your first savings group in minutes.