Cota

Cota is the app that digitizes your rotating savings and credit associations (ROSCAs) and contributions, with clear tracking of payments and earnings automatically transferred to Mobile Money and Wave. No more notebooks, no more confusion: everything is centralized in a single, simple, and secure app.

Create and manage your tontines easily
• Create your contribution groups (family, friends, association, company, etc.)
• Define the amount, frequency, and order of contributions
• Adapt the rules to your organization and needs

Real-time member tracking
• Add members with their contact information
• See who is up-to-date, late, or awaiting payment
• View the complete contribution history for each member
• Send reminders to late payers with one click

Earnings paid automatically
• When it's a member's turn, they click on "Claim my earnings"
• The amount is automatically paid into their Mobile Money or Wave account
• Fewer human errors, fewer delays, more trust between members

Transparency and peace of mind
• Overview of active and past tontines
• Total amount collected, amounts distributed, balance for each member
• Transaction history always available

Cota helps you manage your tontines like a pro: simpler, more reliable and more transparent for all participants.