Your Njangi, fully automated — from contribution to payout.
Njangi Estate takes the tradition of rotating community savings and runs it on rails you can trust — automated rotation schedules, instant payouts, penalty enforcement, and bank-level security, all in one platform.
No spreadsheets. No chasing payments. No guesswork on whose turn it is.
Cycle 4 · Bamenda Traders House
78% of cycle collected · payout releases automatically
Wallet Balance
From "whose turn is it?" to fully automatic
Four steps replace the notebook, the group chat arguments, and the manual cash handoffs.
Create or join a House
Set your contribution amount, currency, frequency, and cycle rules — or join an existing House with an invite.
Contribute on schedule
Automated push, SMS, and email reminders keep everyone on track. Pay through Mobile Money and Orange Money.
Rotation runs itself
Njangi Estate tracks the rotation order and releases the payout the moment a cycle is fully collected.
Stay protected
Late-payment penalties, KYC-verified members, and a full audit trail keep every House fair and accountable.
One platform, every moving part of a Njangi
Built from the ground up around how rotating savings groups actually run — not a generic finance app bolted on.
Automated rotation & payouts
Cycle order, deadlines, and payout release are calculated and executed automatically — no manual bookkeeping.
Built-in digital wallet
Every member gets a wallet with balance, ledger history, and withdrawals — no separate app required.
Multiple payment gateways
Mobile money, cards, and bank transfers — payments and webhooks reconcile automatically.
Smart reminders
Push, SMS & email nudges before every contribution deadline — nobody "forgets" it was their turn to pay.
Fair penalty enforcement
Late contributions trigger configurable penalties automatically — consistent rules applied to every member.
Group chat & governance
In-House chat, legal agreements, and member-voted disband requests keep every group aligned and on record.
PDF receipts & ledger
Every contribution and payout generates a verifiable receipt, with a full ledger you can export any time.
Full admin oversight
Financial, security, and system-health dashboards give organizers complete visibility into every House.
Community savings deserve bank-level protection
Njangi runs on trust between members. Njangi Estate backs that trust with real security infrastructure working quietly behind every transaction.
KYC-verified members
Every member's identity is verified before they can join or receive a payout.
Device & PIN security
Device fingerprinting and a security PIN protect sensitive actions like withdrawals.
Automated trust scoring
Member trust scores recalculate continuously from real activity — not a one-time check.
Full activity audit trail
Every action across every House is logged and reviewable — nothing happens off the record.
Member Trust Score
Recalculated automatically from contribution history & behavior
Your Houses, in your pocket
The Njangi Estate mobile app keeps every House a tap away — check your rotation position, contribute, chat with your group, and get real-time push notifications the moment a cycle updates.
Built for real Njangi groups
Example feedback from the kind of Houses Njangi Estate is designed for — swap in your own once you're live.