Features Built for
Community & Trust
Icontribute blends centuries-old African savings traditions with modern mobile technology—so you can save securely, lend with confidence, and grow wealth together.
Create or Join Trusted Savings Groups
Digitize traditional savings circles like Ajo, Esusu, and Tontines. Our platform ensures every contribution and payout is tracked automatically, bringing transparency and security to your group.
- Invite-Only Membership: Ensure group integrity by inviting only people you know and trust.
- Automated Smart Rules: Payouts follow a predefined cycle managed by transparent, automated rules.
True Community Governance
Our revolutionary Admin Democracy feature solves the biggest problem in traditional thrift: fraud. If a group admin is inactive or untrustworthy, members can initiate a vote to replace them—ensuring power always remains with the community.
Never Miss a Contribution
Life happens—but your savings group shouldn’t suffer. With Group Loan, you can borrow just enough to cover your contribution and stay in good standing.
- Borrow only what you need: Get a micro-loan equal to your contribution amount.
- Repay over time: Pay back the loan in installments without disrupting your group cycle.
- Preserve trust: Stay active and reliable—even during tough weeks.
Manage Daily Life, All in One Place
Your Icontribute wallet is more than just for savings. Pay for everyday essentials directly from your account—turning your financial hub into a one-stop shop.
The Icontribute Difference
See how we stack up against traditional financial options.
vs. Banks
- Social savings layers they don't support.
- Rule-based loans without credit checks.
- Higher returns on locked savings.
Icontribute
- Built on community & trust.
- Lending powered by social accountability.
- Democratic group governance.
vs. Other Fintechs
- Real-world trust networks.
- Risk backed by savings, not just algorithms.
- Integrated utility payments.
Ready to Empower Your Community?
Join thousands of users who are digitizing their savings circles and building wealth together. Get started in minutes.
Create a Free Account