Kova: Collective Finance

Pool money with your group, track every contribution in real time, and pay out transparently. No more chasing payments. No more wondering where the money went.

Kova is the easiest way for groups to manage money together.

Whether you’re flatmates splitting rent, friends pooling for a trip, or a community collecting dues — Kova replaces the WhatsApp messages, bank transfer screenshots, and spreadsheets with a single transparent platform where everyone can see exactly where the money is.

HOW IT WORKS

Create a group and set a financial goal. Invite your members. Everyone contributes directly into a shared wallet. Track who’s paid, who hasn’t, and how much is left — all in real time. When the goal is reached, make payment. Done.

No more chasing people for money. No more “I’ll send it later.” No more wondering where the funds went.

WHAT MAKES KOVA DIFFERENT

→ Built for groups, not individuals Every feature is designed for how groups actually manage money — not bolted onto a personal payments app as an afterthought.

→ Full transparency Every contribution is visible. Every payout is tracked. Every member can see the group’s financial status at any time. No more one person holding everyone’s money in their personal account.

→ Smart reminders Set deadlines and let Kova handle the follow-ups. Automated reminders before due dates so you don’t have to be the one chasing people.

→ Contribution governance Group members choose their participation level. Deciding contributors must approve payouts before funds are released, so no single person controls the money.

→ Activity feed See everything that happens in your group: who joined, who contributed, when payments were confirmed, when payouts were approved. Full history, always available.

→ Progress tracking Visual progress bars show how close your group is to its goal. Share updates with your group to keep everyone motivated.

USE CASES

• Flatmates splitting rent and household expenses • Friends pooling for trips, events, gifts, or celebrations • Estate residents paying community dues and levies • Alumni groups funding projects and contributions • Savings groups and cooperatives (ajo, esusu) • Religious organizations collecting tithes and project funds • Any group that needs to collect, track, and manage shared money

SECURE AND COMPLIANT

Your money and data are protected. Kova uses bank-grade security, verified KYC identity checks, and is fully compliant with the Nigeria Data Protection Act (NDPA) 2023. Payments are processed through licensed, regulated partners.

GET STARTED IN 2 MINUTES

1. Sign up and verify your identity
2. Create a group and set your goal
3. Invite your members
4. Watch contributions come in transparently
5. Pay out when you’re ready

Stop chasing payments. Start building with your community.

Kova — group money, made easy.