E-Tontine brings tontines, ROSCAs and tandas online for every country — trusted savings groups with system-controlled rules, transparent payouts and a built-in trust score.
Run rotating savings with people you trust, without the spreadsheets, the missing money, or the awkward chasing.
No admin can withdraw group money. Payout order and rules are locked by the system when a group starts.
Every on-time payment builds your reputation. Late or missed contributions lower it — so groups stay reliable.
Contribute and receive payouts through integrated providers. In beta, payments are safely simulated.
Add members by phone, verify identity for compliance, and start only when everyone has agreed to the rules.
See who paid, who's next, and the full ledger for every cycle. No more guessing where the money is.
Country-aware profiles, local address formats and five languages — designed for diaspora and home communities alike.
Sign up, verify your email and identity, and set your recovery security.
Choose the type, contribution amount, frequency and number of members.
Invite members, everyone agrees, and the system locks the rules and payout order.
Pay each cycle, watch payouts rotate automatically, and grow your trust score.
E-Tontine removes the biggest risk in traditional tontines — a single person holding everyone's money. Rules are enforced by the system, not by an administrator.
Funds move only according to the locked payout schedule — never to an individual's discretion.
Your data is encrypted in transit and at rest, and is never sold to third parties.
Before joining a group, every member reads a one-page agreement, types their full name, and signs with the date — stored for disputes.
Every contribution and payout is recorded in a transparent ledger visible to members.
Pool money with relatives for big goals — school fees, ceremonies, or a shared investment.
Save across borders with your home community, no matter which country members live in.
Colleagues or cooperatives running rotating capital for equipment, stock or growth.
Neighborhood groups funding shared projects with transparent, rule-based contributions.
Join E-Tontine and run trusted, transparent savings groups with your family, friends and community — anywhere in the world.
E-Tontine