Community finance.
One app.
Endless possibilities.
Get started
When life calls,
borrow from the circle.
Need a hand before your turn comes around? Request a loan from your house, or directly from Njangy once you meet the requirements. Low interest, clear terms, built on the trust you've already earned.
Borrow from your circle
Request a loan from the members of your house. Members approve, you repay on agreed terms, the trust that made the ROSCA work, with the transparency of an app.
Platform loans, when eligible
Consistent contributors unlock direct loans from Njangy itself, no group approval needed, rates set by your on-platform history.
Transparent terms, fair rates
See the rate, term, and total cost before you sign. No hidden fees, no compounding surprises, your circle sees exactly what you see.
Loan eligibility is determined by your contribution history and, for circle-sourced loans, your house members' approval. Interest rates and limits set by platform policy.
When one of us
needs a hand.
Life doesn't wait for payday. Njangy gives your community three ways to show up for each other, from a quiet targeted gift to a public call for help.
Targeted support
Privately request help from a trusted person for a savings payment or house contribution. They accept, the funds flow, and life keeps moving.
Emergency Support
A public pool where anyone can contribute toward an urgent need. Funds are held until the request resolves, a 10% platform commission keeps the service running.
General Life Support
Recurring sponsorships for long-term needs, a student's school fees, a parent's medication. Sponsors pledge, contributions auto-collect, and three missed payments ends the pledge.
Save together.
Receive in turn.
A ROSCA is the savings tradition that raised your family: a group contributes regularly, and every cycle one member receives the full pot. Njangy makes it digital, transparent, and effortless, for the people you trust, anywhere in the world.
Set your own rules
Fixed or flexible contributions, your schedule, your trusted members. Njangy runs the house the way you already do.
Stay in sync, automatically
Real-time contributions, automatic rotation, and live notifications keep every member aligned, no chasing, no spreadsheets.
Swap turns when life shifts
Need the pot sooner, or later? Njangy lets members trade positions, negotiate, and approve swaps without breaking the circle.
Auto-pay keeps you on track
Schedule recurring contributions from your linked payment method, daily, weekly, monthly, and Njangy handles the rest.
See every milestone at a glance
Progress bars, deadlines, target amounts, remaining days, all in one clean view so you always know where you stand.
Gentle accountability
Miss a contribution and a small penalty keeps you consistent. Consistency is the habit that turns goals into outcomes.
Every goal,
its own path.
Birthday, first car, down payment, school fees, whatever you're saving for, Njangy gives each goal its own deadline, contribution schedule, and progress tracker. Set it, automate it, and watch it grow.
Stake a little.
Win together.
A little fun alongside the serious stuff. Njangy's community raffles are provably fair, community-funded, and built to stay social, not to drain your wallet.
Provably fair draws
Every winner is chosen using certified random.org entropy, not in-house RNG. The draw is verifiable, every time.
Community prize pools
Every stake grows the pot. Everyone who plays shares the ride, and the winnings come from the community, not the house.
Low stakes, real rewards
Small entries, meaningful prizes. Raffles are social and playful, not designed to be addictive or drain the savings you came here to build.
Built to hold
what matters.
Your money, and the relationships behind it, deserve fintech-grade security and community-grade trust. Njangy is built on both.
Bank-grade encryption
All data encrypted in transit (TLS 1.3) and at rest (AES-256). Your balances, contributions, and messages are unreadable to anyone but you.
KYC identity verification
Every member is identity-verified before joining a house or sponsoring support, the same standards you'd expect from any regulated financial platform.
Every transaction, audited
Every credit and debit flows through a tamper-evident transactions ledger with per-action triggers. No off-ledger balance changes, ever.
Row-level data isolation
Postgres row-level security ensures members of one house can never see another's data, even if they share a server. Your circle's business stays your circle's.
Trusted payment rails
Money moves through the world's most trusted payment networks, PayPal, MTN Mobile Money, Orange Money, Visa, Mastercard, Apple Pay, never through Njangy directly.
SOC 2-ready practices
Access controls, audit logging, incident response, vendor reviews, and backups, all running to SOC 2 Type II standards. Independent certification in progress.
Your circle is waiting.
Start your first house today.
Whether you're digitizing the savings tradition that raised you or discovering community finance for the first time, Njangy takes two minutes to set up and a lifetime to outgrow.