Features Built for Community
Discover how Icontribute combines the power of social capital and mobile technology to help you save, lend, and grow 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.
Access Loans Without Collateral
Leverage your group's social capital to access short-term loans. Our rules-based system ensures fairness and accountability, with automatic enforcement to minimize risk.
- Rules-Based Eligibility: Only active savers who haven’t received their payout can borrow.
- Low Fees & Clear Terms: Borrow up to 50% of your payout with fees as low as 2%, and automatic deductions for repayment.
Two Ways to Save, Your Choice
Whether you need disciplined, goal-oriented savings or flexible access for emergencies, we have an option for you.
Target Savings
Lock funds towards a specific goal and earn high interest. Perfect for rent, school fees, or capital projects.
- High-yield returns for discipline.
- Strict terms to help you avoid temptation.
- Early withdrawal voids interest, promoting savings culture.
Flexi-Savings
Save at your own pace with the freedom to withdraw when you need it. Ideal for emergency funds and flexible spending.
- Save and withdraw funds at any time.
- Earn modest interest on your balance.
- Perfect for managing daily cash flow and emergencies.
Savings That Match Your Discipline
Our innovative Lock Funds system rewards long-term discipline with high returns, while still providing the flexibility you need for life's surprises.
| Landing Type | Interest (Annual) | Penalty if Withdrawn Early | Withdrawable Before End Date? |
|---|---|---|---|
| Soft Landing | 5% | 5% of total savings | ✅ Yes |
| Medium Landing | 10% | 15% penalty | ✅ Yes |
| Hard Landing | 15% | 25% penalty | ✅ Yes |
| Total Lock | 20% | ❌ Not allowed | ❌ No |
Manage Your Daily Life, All in One Place
Your Icontribute wallet is more than just for savings. Conveniently pay for everyday essentials, turning your financial hub into a one-stop shop for all your needs.
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 paperwork or credit scores.
- ✅ Flexible lock options with higher returns.
Icontribute
- 🌟 Core focus on community and trust.
- 🌟 Lending powered by social accountability.
- 🌟 Democratic governance with admin voting.
vs. Other Fintechs
- ✅ Group formation based on real-world trust.
- ✅ Risk management backed by savings, not just collateral.
- ✅ Integrated bill pay for everyday utility.
Ready to Empower Your Community?
Join thousands of users who are digitizing their savings circles and building wealth together. Get started in minutes.
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