"My njangi paid for my mother's surgery in Bamenda. I want my daughter to grow up knowing this is how we take care of each other."
Aïcha M.Brussels → YaoundéBE · CM
SOHANA brings your savings circle online — with the NCS credit score that opens doors banks can't.
Transfer to Yaoundé, Lagos, Accra, or Kigali at 0.7% — not the 8–12% you're used to paying. Your family gets more. You keep more.
Set a savings goal inside your circle. Contribute every week. Watch the pot grow. Your group keeps you accountable — so you actually get there.
Every campaign on Sohana is verified by our team before it goes live. You know exactly who you're giving to and exactly where the money lands.
The savings tradition your community has practised for generations — now online, multi-currency, and secured by the credit score that makes the rest of your financial life possible.
No loan history? No problem. The NCS reads whether you keep your word inside your community. That's a record banks across Africa will soon recognise.
Send directly to their Hanatag. Money arrives in seconds, in euros, with a receipt. No SWIFT code. No bank visit. No "is it there yet?" phone call.
Your alumni association, church, or work team already pools money. Give it a proper digital treasury — with multi-admin approval and a permanent audit trail.
Run weekly, biweekly or monthly circles in any of eight currencies. Transparent contributions, automated payouts, and full organiser controls — without a WhatsApp ledger in sight.
Invite members by Hanatag, set the contribution rules, freeze a defaulter, rotate the payout slot — Sohana enforces what your circle agreed at the start.
At launch, every contribution will sit in a segregated, ringfenced account at a licensed partner institution. Members see balances live; payouts auto-release on schedule with full audit trail. Currently in beta — no real funds are held.
Run circles however your community runs them. 3 to 50 members. €20 to €5,000 contributions.
Optional shared buffer pool covers a missed round so payouts never stall. Repaid from the member's next contribution, automatically.
Family savings, work chama, holiday fund, baby fund. Each circle has its own rules, members and currency.
NCS is a 300–850 behavioural score derived from your real contribution history across Sohana circles. Drag the factors to see how each one moves the dial — and where you'd start.
Pick the size, the contribution and the cadence. Sohana shows you the payout in any of our eight supported currencies — and where you'd land in the rotation.
From our closed pilot across France and Cameroon. Numbers we'll keep publishing as we scale.
Pick a handle like @aicha.han. It travels with you across all eight currencies — your account number, simplified.
Invite by Hanatag, phone or email. Set members, contribution, frequency, payout order. Or accept an invite from your aunty.
Funds release on schedule. Every on-time round builds your Njangi Credit Score and unlocks credit products.
Send to a Hanatag in seconds. Run the family tontine on the bus. Track your NCS climb. We start invite-only on iOS and Android in Q3 2026.
Early users get priority Hanatag handles, founder-circle status, and free outbound transfers for the first 12 months.