KEZUMA tracks contributions, enforces your group's rules and releases a payout
only when the recipient's future commitment is fully covered.
No torn notebooks, no WhatsApp disputes.
Free for groups up to 10 members · No card required
Your group's funds stay in your own bank account, under your own treasurer's control. KEZUMA is the ledger and the rulebook — we record what happened and enforce the group's rules, but we never touch a single rand.
No maths required. Here's exactly what happens from the moment you contribute, to the moment someone gets paid.
Your normal contribution builds your own security, cycle by cycle.
You become eligible for your rotation payout.
Your remaining obligation to the group must be covered before you can be paid.
Your own security + approved guarantees + the group pool work together to cover it.
Once the required coverage is reached, the rotation becomes eligible and the payout is released.
Your members pay into the group's bank account — by EFT, cash, or transfer. When you receive the money, you mark it as paid in KEZUMA. That's it.
Each member gets their own dashboard showing the amount due, the security portion, the pool portion and the group's banking details.
Cash, EFT, bank transfer — whatever the group uses. KEZUMA never touches the money.
Select the contribution, enter the amount (split between main, security and pool) and save. It takes seconds.
The member's balance, the group's ledger, the security pool and the audit trail — all updated automatically.
Not every member pays by bank. KEZUMA doesn't care how the money arrived — only that you record it.
The reference field lets you note anything you need — so "I paid, I swear" disputes disappear.
Every payment is split into main contribution, personal security and group pool — no separate maths.
KEZUMA is the ledger, not the bank. You keep control of the money — we keep the records straight.
Your turn comes. Your commitment continues. Rotations are only released once the future obligation is secured.
A slice of every contribution stays yours — held back as your own guarantee. It grows quietly and returns to you at the end.
Record payments in seconds. Every contribution is split, timestamped and added to an immutable audit trail.
Members back each other. Guarantor security unlocks as the cycle progresses.
A shared safety net funded by every member. When personal security isn't enough, the pool keeps the rotation alive.
Automatic nudges before every contribution is due. No more chasing members — the system does it for you.
Consistent contributors get better terms. Reliability is earned, tracked and rewarded.
Generate a statement for any member or the whole group in one click.
No app store. Open the link, sign in, done. Works on slow connections.
KEZUMA isn't just for one kind of stokvel. Here's how different groups use it every month.
Twelve members contribute R1,000 each month. Each month, one member receives the full R12,000.
Twenty families save R500/month from January. In November, the group buys groceries in bulk for the holidays.
Parents contribute R800/month to a joint savings pool. At the start of each school term, they withdraw for fees.
Fifty members contribute R100/month. When a member's family loses someone, the group pays out immediately.
Ten members contribute R5,000/month to buy a rental property together. Savings tracked for 3 years.
Relatives or church members save together for weddings, holidays, or emergencies.
You collect the contributions. You keep the records. You chase the late payments. You field every "did I pay?" message. You're the reason your group still works.
Whether you use cash, EFT, or bank transfers — KEZUMA works with how your group already operates.
Three examples — a small rotation, a growing community and a long-term investment group. Each one shows the same core idea: contributions tracked, security built, rotations protected.
These are illustrative examples. Your group defines its own contribution amount, security rate and rotation rules — KEZUMA follows your constitution, not the other way around.
No — and that's the whole point.
Your group's money stays in your own bank account, under your own treasurer's control.
KEZUMA is the ledger and the rulebook — we record what happened, enforce the group's rules
and give every member the same transparent view. But we never receive, hold, move, or invest a single rand.
That means even if KEZUMA disappeared tomorrow, your group's money would still be sitting safely
in your own bank account. There is no KEZUMA wallet to fund, no balance to trust us with, no
custody risk to worry about.
Your group's money never touches KEZUMA. Members pay into the group's own bank account — by cash, EFT, or transfer — and the treasurer records the payment in KEZUMA.
Recording a payment takes seconds: select the contribution, enter the amount, split it between the main contribution, personal security and group pool, add an optional reference and save. The member's balance, the group's ledger and the security pool all update automatically.
Why this approach? Most stokvels still handle cash and informal transfers — and the treasurer is usually the person who knows exactly who paid and when. KEZUMA doesn't try to replace that. We just make sure every payment is tracked, split correctly and visible to everyone.
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.
Personal Security is a small portion of every contribution that belongs to you and is set aside for your future obligation. It's not a fee and it's not lost — it's your own money, held back as a guarantee that you'll continue contributing even after you've received your payout.
For example, on a R1,000 contribution with 10% Personal Security, R100 is locked into your security balance each cycle. That balance grows over time and is what partially covers your future commitment when it's your turn to be paid.
When the rotation completes and your future commitments are fully settled, your Personal Security is released back to you.
The Group Pool is a shared safety net that every member contributes to — typically around 5% of each contribution. Unlike Personal Security, this money belongs to the group as a whole, not to any single member.
Its purpose is to protect the group when someone doesn't pay. If a member's Personal Security and guarantors can't fully cover a shortfall, the Group Pool is the final backstop that keeps the rotation from collapsing.
Think of it as the group's emergency fund: it grows quietly in the background, doesn't get paid out with rotations and is only touched when the group needs to absorb a default. Any remaining balance at the end of a cycle can be redistributed by group vote or carried forward.
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.
Free for groups up to 10 members. R149/month for larger groups with advanced features.
Yes — it's a website. Open the link on any phone with a browser. Add to home screen for one-tap access.
