Sohana was born from something simple, familiar, and deeply human: trust. We are building the financial infrastructure that takes the savings systems Africa has trusted for generations — and gives them the structure to scale.
Growing up, one of the most consistent financial systems I saw in action wasn't a bank — it was a community. My grandmother served as a treasurer in a local savings circle, where people came together regularly, contributed what they could, and took turns receiving the pooled funds.
There were no apps, no contracts, no dashboards — just discipline, accountability, and trust.
Through that system, she helped ensure that her children — and eventually her grandchildren — had access to education and opportunity. It wasn't perfect, but it worked. And for millions of people across Africa and the diaspora, it still does.
Sohana exists to take that same foundation and build something more powerful on top of it.
Sohana is a financial platform designed to modernise and scale community-based savings systems — commonly known as ROSCAs — without losing what makes them work.
These systems already move billions in value every year, entirely outside formal financial infrastructure. They are trusted, resilient, and culturally embedded. But they are also limited by manual processes, lack of transparency, and risk. We are building the tools to change that.
Bring structure to group savings — automated contributions, transparent ledgers, predictable payouts. No more spreadsheets, no more arguments.
Let members access pooled funds in a transparent and predictable way — with a clear order, clear rules, and a clear timeline.
Every on-time contribution becomes part of a verifiable history. Behaviour becomes a credential — the foundation of credit identity.
Built for the diaspora reality — multi-currency, multi-jurisdiction, designed to work the way families and communities already work.
"At its core, Sohana is not replacing these systems — it is strengthening them."
Across Africa and many emerging markets, access to formal financial systems is still uneven. But people haven't waited for banks to solve this — they've built their own systems.
The challenge is not participation. It's scale, reliability, and evolution.
We believe that the future of finance in these regions will not come from importing foreign systems alone, but from upgrading what already works. Sohana is one step in that direction.
This is not a short-term project. We are building toward a long-term vision where community-based savings become digitally structured, globally accessible, and the bridge between informal and formal economies — without friction, without compromise.
Beta launch with closed-pilot communities in France and Cameroon. Core ROSCA, Pool, and Wallet products live. First regulatory authorisations under way (ACPR France, FCA UK). KYC, AML, and compliance infrastructure operational.
Public mobile launch on iOS and Android. Expansion across France, Belgium, UK, Germany, Netherlands. Hanatag becomes the universal address for diaspora payments. First 100,000 verified members.
The Njangi Credit Score graduates from internal metric to portable credential. Partnerships with lenders, insurers, and EMIs in target corridors. Members start unlocking real credit products built on community-savings history.
Direct presence in Cameroon, Ghana, Nigeria, Côte d'Ivoire, Senegal. Mobile-money integrations across MTN, Orange, Wave. Diaspora-to-domestic transfers as a default flow, not an exception.
Sohana evolves from a savings platform into a financial operating system: insurance, micro-credit, investment, and remittance — all built on the trust graph our members have built. One million active members.
Partnerships with central banks and regional bodies. NCS recognised by formal credit bureaus. Sohana's rails power third-party financial products across the continent — savings becomes infrastructure, not a feature.
A world where the 800 million adults underserved by formal banking are no longer underserved — because the financial systems they already trusted have been given the structure to serve them everywhere they go. The informal becomes the foundational.
This roadmap reflects Sohana's current ambitions and projections. Specific timelines depend on regulatory approvals, market conditions, and capital availability. We will publish updates against this trajectory as we go.
TEF Cohort 2026 · Selected from over 200,000 applicants across Africa
We are beginning with the fundamentals: helping people save together, move money transparently, and build trust at scale. Everything else will follow from that.
Because at its core, this is not just about technology. It's about giving structure to systems that have quietly supported generations — and giving them the tools to go further.
Join the waitlist, partner with us, or follow our progress as we build.