From traditional ROSCAs to AI-powered micro-savings. Every savings need covered.
Real-time savings products provisioned in Apache Fineract (default tenant) and synchronized across every DigiWealth touchpoint via the enterprise MariaDB cluster, ensuring ACID-compliant, multi-channel product consistency.
Traditional Rotating Savings & Credit Association (ROSCA)
Traditional rotating savings where 3-50 members contribute fixed amounts weekly or monthly. Each member receives the full pot in rotation (sequential or random draw). This is the most popular Susu model in Ghana, trusted for decades by market women, office groups, and student circles.
Group: 5 market women (friends)
Contribution: GHS 100/week each
Total Weekly Pool: GHS 500
Cycle Duration: 5 weeks (one full rotation)
Payout Schedule:
Result: Each member saves GHS 5,200/year and receives GHS 5,200 once per cycle
3-50
Minimum 3, Maximum 50 members
4-52
Weeks (configurable)
✓ Yes
MTN, Vodafone, AirtelTigo
South African Model — ROSCA with Investment Component
Similar to Classic Susu but with an optional interest/investment component. Common in South Africa for groceries, events, or burial societies. The pooled funds are invested in low-risk assets (treasury bills, bonds) and members receive both their capital plus a share of the investment returns.
South Africa Market: 800,000+ active stokvels, 11M+ members, R50 billion+ annual turnover.
Group: 10 church members
Contribution: GHS 200/month each
Monthly Pool: GHS 2,000
Investment: 91-day treasury bills (5% p.a.)
Payout (each member on their rotation month):
Advantage: Members earn 20% extra from investment returns
Individual Goal-Based Savings Account
Individual savings account with a specific goal and deadline (wedding, education, land purchase, business capital). The platform tracks your progress with visual indicators and rewards you with bonus interest at milestones (25%, 50%, 75%, 100% of goal). Auto-deduct from mobile money wallet for hassle-free saving.
User: Jane, wants to buy land in 2 years
Goal: GHS 50,000
Contribution: Auto-deduct GHS 2,000/month from MTN
Interest: 7% p.a.
After 24 months:
Bonus milestones: Extra GHS 250 at 25%, 50%, 75%, 100% = GHS 1,000 total bonus
| # | Product Name | Category | Target Users | Interest/Returns | Demo |
|---|---|---|---|---|---|
| 4 | Pesewa Auto-Save | Micro-Savings | Everyone (daily auto-save) | 3-5% p.a. | View |
| 5 | Family Vault | Joint/Family | Families (2-20 members) | 6% p.a. | View |
| 6 | Asoeɛ Circle | Event-Based | Groups (weddings, funerals) | 0% (ROSCA) | View |
| 7 | SusuInvest | Investment | Individuals (medium risk) | 8-12% p.a. | View |
| 8 | Agric-Susu | Seasonal | Farmers (harvest cycles) | 8-10% p.a. | View |
| 9 | Mobile Susu Agent | Agent-Assisted | Market women, rural savers | 0-2% p.a. | View |
| 10 | KidieSave | Children | Children (0-17 years) | 7-10% p.a. | View |
10 products. 10 ways to save. One platform. From wooden boxes to digital vaults — choose the perfect product for your savings goals.
All financial projections, ROI estimates, revenue forecasts, and growth targets presented on this platform are forward-looking statements based on market research, industry analysis, and business assumptions. Actual results may vary significantly.
Information provided is for educational and demonstration purposes only. Always consult qualified professionals before making financial or legal decisions.
📅 Last Updated: November 6, 2025 | 📧 legal@goldenkairosinnovations.com