Dev2Win/sikacircle

A USSD-first group savings, dues collection, and rotating pay-out platform for Ghana. SikaCircle helps susu groups, market associations, churches, student groups, and friend circles collect contributions, track every payment, and disburse payouts with an auditable trail — reachable from any phone in Ghana (USSD), a mobile app (iOS / Android) # SikaCircle **A USSD-first group savings, dues collection, and rotating pay-out platform for Ghana.** SikaCircle helps susu groups, market associations, churches, student groups, and friend circles collect contributions, track every payment, and disburse payouts with an auditable trail — reachable from **any phone in Ghana** (USSD), a **mobile app** (iOS / Android), or the **web portal**. > Money moves in Ghana. The tracking should too. --- ## Why SikaCircle Ghana had **38.3M active mobile connections** at the start of 2025, **80.5M registered mobile-money accounts** by December, and **26.7M active accounts**. Yet most group finances still live in WhatsApp screenshots, group-chat receipts, and a treasurer's memory. SikaCircle turns those receipts into a shared ledger every member can see — powered by Moolre for payments, SMS, USSD, and settlement webhooks. --- ## Three surfaces, one ledger ### 📱 USSD (any phone, no data required) For feature-phone users, market traders, and members without smartphones. Dial the short code — everything else is guided menus. - Register with phone + 4-digit PIN - Pay your own contribution, or pay on behalf of someone else - Create a group / join a group by code / add a member - Check balance, arrears, and group balance - Approve pending payouts as a treasurer / approver - Change PIN, Forgot PIN (SMS reset), About / Help - 5-minute session memory so a dropped call resumes where it left off - Every transaction confirmed by SMS receipt Powered by **Moolre USSD** + **Moolre SMS**. ### 📲 Mobile app — `mobile/` (Expo / React Native) For members who want the full experience on their phone. - Onboarding: Welcome → mode select → Signup / Login → OTP verify → Forgot PIN - **Home**, **Groups**, **Activity**, **Scan-Pay**, **Profile** tabs - Create / join groups, view members, cycles, and full history - Pay open contributions via momo with instant success screens - Scan Moolre POS QR / short-code for in-person collections - Request …