Your money. Your circle's business.
Safe at every layer.
Community finance only works if the infrastructure around it is honest. Here's exactly what we do at every layer, identity, data, transactions, payment, to make sure it stays that way.
Every member,
identity-verified.
The strongest ROSCA has always been one where everyone knows everyone. Njangy keeps that, at global scale, by verifying the identity of every member before they can join a house, contribute to a sponsorship, or receive a payout.
We use Veriff, the same identity platform trusted by regulated banks, brokerages, and governments worldwide. No shortcuts, no self-declared identity, no synthetic profiles.
- ✓Government ID scan with document authenticity checks
- ✓Selfie + liveness verification, no photo spoofing
- ✓Real-time sanctions and PEP screening
- ✓Cross-check against the name on your linked payment method
- ✓Audit trail of the verification, retained per regulation
Three more layers of protection.
Identity is just the front door. Here's what happens behind it.
Data stays isolated
Every conversation encrypted in transit (TLS 1.3) and at rest (AES-256). Row-level database security means members of one house can never see another house's data, even if they're on the same server.
Every movement is recorded
Every contribution, payout, swap, and penalty flows through a tamper-evident transactions ledger with per-action triggers. Balances never change outside the ledger. No shortcuts, no hidden writes, ever.
Money moves through trusted rails
Funds flow through PayPal, MTN Mobile Money, Orange Money, Visa, Mastercard, and Apple Pay, the world's most scrutinized payment networks. Njangy never holds your money directly; the rails do.
Found a vulnerability? Tell us first.
We operate a coordinated disclosure program. Report anything you find and we'll acknowledge it within 48 hours, keep you updated as we investigate, and credit you publicly if you'd like. Acting in good faith under our disclosure terms, we won't pursue legal action.
security@njangy.com48-hour acknowledgment · PGP key on request · bug-bounty program terms available on request