Uzuza
Twuzuzanya.
We complete each other.
Uzuza replaces the notebook your ibimina already trusts with a shared ledger every member can see for themselves — the same rotating savings, kept safer.
The old way
- A notebook one person keeps, that everyone else has to trust
- Payments tracked in a WhatsApp thread, easy to lose
- One admin holds and sends the whole pot alone
With Uzuza
- A live ledger every member can check themselves, anytime
- A unique payment reference per member, per cycle
- No payout leaves without more than one admin approving it
How it works
1
Create or join a group
Start your own ibimina with a contribution amount and schedule, or find one with matching if you don't have one yet.
2
Pay your turn via MoMo
Every cycle you get a unique reference. Send it with your MoMo payment, then submit your transaction ID and a screenshot as proof.
3
The pot rotates, on record
Admins confirm proof, then more than one of them signs off before the payout moves — visible to the whole group the entire time.
Built on trust, not promises
- ConfirmedDual proof
- A screenshot alone can be edited — every payment also needs the real MoMo transaction ID.
- ConfirmedMulti-admin payouts
- One admin, two of three, or every admin must approve — set by the group, never one person alone.
- ConfirmedA live ledger
- Every member sees the same balance and status. Nobody has to take the treasurer's word for it.
- ConfirmedFirst-cycle safety fund
- New groups start with everyone contributing a full cycle before anyone is paid — real protection against someone leaving early.
Everything your group already does, kept safer
Rotating savings
Fixed contributions, a shared ledger, and a payout that rotates fairly between members.
Event pledges
One-time collections for a wedding, funeral, or school fees — with a goal, a shareable link, and a QR code.
Matching
No group yet? Bring a couple of people you know, and fill the rest through matching with real accountability.
A personal wallet
Top up or withdraw via MTN MoMo, and send or request money directly from another Uzuza member.
Send money from abroad
Family abroad can contribute in their own currency — the group's books stay RWF-native either way.
Kinyarwanda
Core screens work in Kinyarwanda too, not just English.
Ready to start?
Bring your group's savings onto a ledger everyone can see, or find one to join.