Diarabi supports two practices well-known in West Africa: rotating savings and credit associations (ROSCAs) and selling on credit. The app keeps track of these practices—it never touches your money.
ROSCAS
A rotating common fund among family, colleagues, or neighbors. Everyone contributes at the same rate, and each round a different member receives the pot.
With Diarabi you can:
• create a ROSCA by setting the amount, frequency, and number of shares;
• invite members from your contacts;
• define the order of contributions in advance, or draw lots each round;
• declare a contribution by attaching a photo as proof;
• see who has paid, who still owes, and who receives the current share.
SELLING ON CREDIT
A merchant and a customer agree on a price, a deposit, and a payment schedule. Diarabi puts this agreement in writing and monitors its execution.
• The merchant sets the price, the deposit, and the number of installments.
• The customer receives the offer and confirms or rejects it.
• Each payment is documented with photographic proof.
• The remaining balance and the date of the next installment are visible
at any time, to both parties.
WHAT DIARABI DOESN'T DO
Diarabi does not carry, hold, or lend money.
Participants settle their accounts with each other, in cash or via mobile money, just as they
always have. The application records their declarations and their
proofs—nothing more.
No in-app purchases, no advertising.
TRUST, MEASURED
Each participant has a reliability score that reflects their punctuality
on past commitments. This allows you to know who you're dealing with.
YOUR DATA
A tontine is only visible to its members. A Lebalma is only visible to the merchant and the customer involved.
Access to your contacts is optional: it is only used to identify which contacts are already using Diarabi, and phone numbers are not stored. You can decline access and invite someone by entering their number.
The application opens with a PIN code, and via Face ID or fingerprint if you enable it.
Diarabi requires a phone number to create an account. The application is in French.
Organize your tontines and track your credit sales, with supporting evidence.