mugabee/uzuza

Digital ibimina & group savings platform for East Africa — shared ledgers, multi-approval payouts, and cross-border contributions in Rwanda and Uganda. # Uzuza **Twuzuzanya. "We complete each other."** A digital platform for community group finance, built for East Africa. It starts with *ibimina*, the rotating savings groups that market traders, professionals and church groups have run on paper and WhatsApp for generations, and extends that same trust model to event pledge collections, cross-border family contributions, and other shared money arrangements. Live app · Report a bug · Request a feature --- ## Why this exists Millions of people across Rwanda and the wider region already save together in ibimina, and the system works because it's built on trust. The problem is what trust has to run on today: a notebook, a WhatsApp thread, a treasurer everyone hopes is keeping honest records. When money changes hands informally like that, disputes happen, records get lost, and sometimes people just walk away with the pot. None of that is a flaw in the idea of group saving. It's a flaw in the tools people have been given to do it with. Uzuza replaces the notebook with a shared ledger every member can see for themselves. Every contribution gets a unique payment reference. No payout leaves the group without multiple people signing off on it. And for people who don't already have a group to join, there's a matching system built around real accountability, not strangers meeting on the internet with no way to check each other's history. This isn't a fintech idea looking for a market. The market has been running this system by hand for decades. Uzuza just gives it the infrastructure it was always missing. ## What it does **Rotating savings groups (ibimina).** Fixed contribution amounts on a weekly or monthly schedule, a live ledger every member can check without calling the treasurer, a unique payment reference per member per cycle, and admin confirmation that requires both a screenshot and the mobile money transaction ID. A screenshot alone can be edited, so it's never enough on its own. **Payouts you can ac …