Run your stokvel like a proper business.
Track contributions, secure rotations, protect every member's money. No more torn notebooks or WhatsApp disputes.
Free for groups up to 10 members · No card required
Built for how savings groups actually work
Secure Rotation™
Your turn comes. Your commitment continues. Rotations are only released once the future obligation is secured.
Digital ledger
Every contribution, every payout, every adjustment — recorded with an immutable audit trail.
Guarantors
Members back each other. Guarantor security unlocks as the cycle progresses.
Reliability Score
Consistent contributors get better terms. Reliability is earned, tracked, and rewarded.
Statements
Generate a statement for any member or the whole group in one click.
Works on any phone
No app store. Open the link, sign in, done. Works on slow connections.
How Secure Rotation™ works
- 1
Create your group
Set the contribution amount, frequency, and security rate. Takes 60 seconds.
- 2
Invite members
Share a WhatsApp link. Each member gets their own dashboard.
- 3
Build security together
Every contribution includes a small security portion. Members can also guarantee each other.
- 4
Rotations unlock safely
A member's payout releases only when their future obligation is fully secured. Then their commitment continues.
Your group deserves better than a notebook.
Create your group freeCommon questions
Is my money held on KEZUMA?
No. Your group keeps its money in its own bank account. KEZUMA is a ledger and governance platform — we track contributions, rotations, security, and statements. We never hold, move, or invest money.
What is Secure Rotation™?
When it's your turn to receive the payout, KEZUMA checks that your remaining future contributions are fully secured. This protects every member from early recipients disappearing. Once secured, your rotation unlocks. Once you keep contributing, your security progressively releases.
What if someone doesn't pay?
Their personal security and the guarantees backing them absorb the shortfall first. The group security pool is a second layer. The audit trail documents everything.
What does it cost?
Free for groups up to 10 members. R99/month for larger groups with advanced features.
Does it work on my phone?
Yes — it's a website. Open the link on any phone with a browser. Add to home screen for one-tap access.