NJANGI · TONTINE · SUSU · CHAMA · PARTNER · STOKVEL
The trusted home for your savings circle.
Takentu is replacing the WhatsApp threads and shared spreadsheets with one source of truth — a permanent contribution ledger, reminders that send themselves, and money that will move bank-to-bank between members’ own accounts.
Live today: your circle, member roles, invitations and the audit trail. Contributions and payouts are in development — see what’s next.
Invite-only, like your circle already is. No marketplace of strangers.
- Ada
- Kwame
- Marie
- Jon
- +8
Working today —Circles & rolesEmail invitationsJoin codesMulti-factor authenticationAppend-only audit trail
Six years of njangi. Two hours to answer one question.
“I’ve been running my njangi for six years. Every month I’m chasing five people on WhatsApp. I screenshot Zelle confirmations into a group chat. When my sister asked me last December how much she’d contributed for the year, it took me two hours to figure out. There has to be a better way.”
— a composite of the treasurers we interviewed
Nothing is actually written down
A WhatsApp message saying "I sent it" isn't a record. Spreadsheets drift apart between the treasurer's copy and everyone else's.
Someone has to chase
Every cycle, the same five people get the same five messages, sent one at a time, by hand.
The money breaks
Transfer limits, name-mismatch failures and cross-border restrictions block payouts — especially when your members are spread across three continents.
Nobody can answer simple questions
"What have I paid in this year?" and "when is my turn?" should not require an archaeology session in an old spreadsheet.
It all rests on one person
If the treasurer is unavailable, unwell, or simply busy, the whole circle stops moving.
From group chat to system of record
Create your circle
Name it, set the roles, and you have a real member roster — admin, treasurer, member — instead of a group chat and a spreadsheet tab.
Bring your members in
Send email invitations with expiring links, or hand out a join code. Everyone who joins is on the record, with their role and their history.
Set the round, and let the money move
Choose the contribution amount, the cycle length and the payout order. When the money layer opens, each close date will collect from every member and disburse to whoever's turn it is.
Trust, transparency, and no more chasing
A real member roster
Roles, status and history for every member — with admin, treasurer and member permissions enforced by the product instead of by convention.
Invitations that don't get lost
Email invitations with encrypted, expiring links — plus join codes, and request-to-join for people you'd rather approve by hand.
Multi-factor, not optional
Admins and treasurers must enrol an authenticator. Sensitive actions ask again, even mid-session.
An audit trail nothing edits away
Who changed what, and when — recorded permanently for every circle, and readable by the people it affects.
More than one circle
Members of two or three njangis switch between them in a click, and each circle's records stay sealed off from the others.
A contribution ledger that can't be argued with
Every contribution, payout and adjustment will be an append-only entry. No more disputed “I sent it” screenshots.
Reminders that send themselves
Nudges will go out before the due date and after it, so treasurers stop chasing people one message at a time.
Money between members' own banks
Settlement will run directly between members' existing accounts — no closed wallet, no stored balance, no name-mismatch failures.
Answers in one tap
Member standing, year-to-date totals, and exports your accountant will accept.
What's working, and what's next
We're building Takentu in the open. This is exactly what you get the day you sign up, and what's coming after.
Your circle, on the record
Circles and roles · email invitations, join codes and request-to-join · member directory · switching between circles · multi-factor authentication with step-up on sensitive actions · append-only audit trail · account security — sessions, devices, activity history
Rounds and the ledger
Rounds and cycles · payout order · the contribution ledger · recording contributions by hand, for circles still collecting outside Takentu
Money, and everything it needs
Bank linking and bank-to-bank settlement in the US · reminders and notifications · reports and exports · subscription billing
Reach
Mobile apps · international settlement for the UK, France and Belgium · sub-groups for larger associations · one-off fundraising
No dates. We’d rather ship a thing than promise a quarter.
Built so that your money never sits with us.
Takentu keeps Circle records. Members arrange payments themselves; Takentu does not link bank accounts, move money, or hold funds.
Record contributions and payouts in your Circle while keeping payments under your members’ control.
- Multi-factor authentication on every privileged roleWorking today
- Invitation tokens encrypted with a per-record keyWorking today
- Append-only audit trailWorking today
- Role-based access, with strict isolation between circlesWorking today
- Encrypted at rest, encrypted in transitWorking today
- No pooled account under Takentu's controlBy design
- Bank credentials never reach our serversBy design
Bring your circle into the light.
Set yours up in a few minutes. Keep the trust; lose the spreadsheet.