Your meetings, written as they happen
Attendance, savings, shares, fines and loans are recorded in the room, in the order a meeting actually runs. Nothing is written up afterwards from memory.
The savings group record book, on a phone
Your group’s book, in your pocket
Intelli-Cash keeps the meetings, savings, shares and loans of a savings group on an ordinary Android phone — and keeps working when the network does not. Every member can see their own money, and nobody can open the book alone.
Three keys open a meetingWorks with no networkEvery member sees their own savingsStatements you can share
Works without internet
Savings, loans and shares
Three keys to open a meeting
Statements you can share
Five languages
Who we work with
Trusted by the programmes that support savings groups
The Coca-Cola Foundation- Grants for small enterprises
- Training and field support
County Government of Embu- Registering groups in the county
- Support for farming businesses
Rainforest Alliance- Farming that works with the climate
- Getting produce to market
Intelli-Wealth- The Intelli-Cash app
- Helping enterprises reach customers
What it does
Everything a savings group already does, written down properly
Savings groups, chamas, credit unions and cooperatives have run on paper books and a locked box for years. Intelli-Cash keeps the same method — the same meeting, the same three keys, the same share-out — and takes away the arithmetic and the lost pages.
Every member's savings, always to hand
Any member can see what they have saved, what they hold in shares, and what they still owe — without waiting for the book to be opened.
Loans the group can follow
Who borrowed, how much, what has come back and what is still out. The figures update themselves as repayments are recorded.
A share-out that adds up
At the end of a cycle the app works out what each member is owed, takes off what they still owe, and shows the arithmetic to the whole group.
Decisions on the record
Loans, elections and rule changes are put to a vote and the tally is kept. An election can be secret. One member, one vote.
Proof when you need it
A statement for the group or for one member, ready to share or print — for a lender, a partner, or a member who simply wants to see.
Money coming in and going out
The group’s money stays the group’s money
Members can pay by phone straight into the group’s own account. Savings, the welfare pot and anything borrowed from outside are each kept apart, so no total ever flatters the group by counting borrowed money as its own.
Money in, by phone
Members can pay their shares and repayments by M-Pesa or card, straight into the group's own account — not ours.
A welfare pot kept separate
The social fund sits apart from savings and is never lent out. What is left at the end of the cycle goes back to members.
Buy stock on credit
Order goods through Intelli-Store against the group's own standing, and repay from the group's fund.
Borrow from outside
Money the group takes from a bank or a programme is held in its own pot, so borrowed money is never mistaken for savings.
A rating you can show a lender
The app works out how the group is doing from its own record — meetings held, repayments made, savings kept up — and says plainly what would raise it.
Statements for anyone who asks
A report for the group, or one for a single member, ready to share or print in seconds.
See the app
This is what your secretary will be looking at
Real screens from the app as it ships today — not drawings of one. Big type, few words per screen, and the meeting laid out in the order your group already follows.
Want the whole thing screen by screen? Read the guide.
How it works
From setting up to sharing out
Set the group up once
Enter the group's name, add your members and say who holds which office. Ten minutes, once — and only this step needs internet.
Open the meeting with three keys
Three officials each enter their own 4-digit PIN before the book will open. No one person can open it alone.
Record the evening as it happens
Attendance, the social fund, shares bought, repayments, new loan requests and any vote — in the order your meeting already follows.
Close and lock
The same three keys seal the meeting. What is sealed becomes part of the group's permanent record and cannot be quietly changed.
Send it up when you have signal
Back in network, the phone sends everything to the office by itself. Nothing waits for a connection during the meeting.
Share out, and start again
At the end of the cycle every member gets their savings plus their share of what the group earned, less anything they still owe.
Group Registration
Register your group
Tell us about the group and who will hold the phone. We will be in touch to set the account up, and that person becomes the one who keeps the book — nobody else can open it for you.
Keeping the money safe
Built so that no one person can be trusted alone
A savings group’s cash box has three padlocks and three different people holding the keys. Intelli-Cash keeps that idea rather than replacing it — because the phone should be no easier to misuse than the box was.
No one opens the book aloneThree officials must each enter their own PIN before a meeting will open — or five members, if the officials are not there. The phone is no easier to misuse than a cash box with three padlocks.
A PIN belongs to one personEach member chooses their own four digits. Nobody can look one up, not the group, not us. If it is forgotten, an official clears it and the member picks a new one.
Figures are never quietly changedMoney is written once. A correction is a new entry that explains itself, so the history stays whole and anybody can read back what happened.
The group decides, not the appLoans, grants, elections and rule changes go to a vote and the tally is kept. The app records the decision; it never makes one.
Members' details stay privateA member sees their own record and nobody else's. Outside the group, a phone number shows only its last three digits.
For partners and funders
See how your groups are doing, without reading their books
Partners and funders see how the groups they support are doing — whether they meet, whether they save, whether loans come back — without reading any member’s private record.
Where your groups areWhich groups are running, in which county, and how many members they hold between them.
Whether they are meetingMeetings held and sealed, attendance kept up, and savings going in month after month.
Whether loans come backHow much has been lent, how much repaid, and which groups are keeping to their own rules.
What your field team foundVisits made, groups scored against the assessment, and what each one was advised to do next.
The app
One phone in the room is enough
The secretary’s phone holds the book. Everyone else can put the app on their own phone to see their savings, but the meeting only needs one.
From the field
Built around the people doing the work
How the groups, partners and enterprises using Intelli-Cash describe it.
We run the whole meeting on the phone even when there is no network, and it goes up on its own once we are back in town.
I can see whether my groups are meeting and whether their loans come back, without ever opening a member's private record.
The members used to wait for the book to be opened to know what they had saved. Now each of them can look on their own phone.
Illustrative examples by role — verified, attributed quotes will be added before launch.
What it costs
Free for groups joining through a partner
A savings group pays nothing when it joins through one of our partner programmes. Partners, funders and lenders are quoted for what they actually need.
Group accounts
Freevia partner programmes
For VSLAs, Chamas, credit unions, and cooperatives onboarded through a partner.
- The whole meeting, with or without network
- Members, officials and their PINs
- Loans, share-out and statements
- The Android app, and the same thing in a browser
Partners & donors
Customtailored to programme
For NGOs, donors, government programmes, and accelerators running field operations.
- Your own account for programme money
- Reports on reach, meetings and repayment
- Text messages to your groups
- Paying groups and being paid
Lenders & funds
Customtailored to portfolio
For MFIs, SACCOs, and funds identifying green businesses ready for responsible capital.
- How each group repays, in its own record
- Reports by portfolio and by county
- Payouts by M-Pesa, card or bank
- A full history you can check
Tiers reflect the current programme-funded model; final commercial terms to be confirmed.
Common questions
Answers before you start
Does it work where there is no network?
Yes. The whole meeting runs on the phone — attendance, savings, shares, loans, fines, welfare and votes. When you are back in signal the phone sends everything up by itself. Only creating an account and signing in the first time need internet.
What if the phone is lost or breaks?
Everything already sent to the office is safe, and you carry on from a new phone by signing in and loading your group again. Sync after each meeting and there is nothing to lose.
Can one person change the figures on their own?
No. A meeting only opens when three officials each enter their own PIN, and it takes the same three to close it. Money is written once — a correction is a new entry that says what it is, so the history stays whole.
Can members see their own savings?
Yes. A member signs in with their own phone number and sees what they have saved, the shares they hold and anything they owe — in every group they belong to. They see nobody else's record.
How does a group get started?
Register the group on this page or through a partner, add your members, and give each official a PIN. You can run your next meeting on it.
What does it cost?
Groups joining through a partner programme use it free. Partners, lenders and funds are quoted for what they need — talk to us.
Which languages does it speak?
Five, chosen on each phone. Members do not have to work in English.
Is there an app to download?
Yes, on the Google Play Store. It can also be opened straight from the browser on a phone.
Contact
Talk to the Intelli-Cash team
Registering a group, joining as a partner, or just a question about how it works — we would rather you asked.