Paykko - Tontines digitales

Gara SAS

About this app

Paykko modernizes the traditional savings club (tontine) by making it digital, secure, and accessible to everyone. Save together with friends, family, or colleagues, wherever you are.

🔒 SECURE TONTINES
Each cycle is clearly defined: amount, participants, and payment order. Everything is visible, nothing is hidden.

⚡ AUTOMATED PAYMENTS
Contributions and payments are managed automatically via mobile money (MTN, Orange Money, Wave, Free Money, etc.). No more manual reminders, no more calculations, no more stress.

📊 CREDIT SCORE — Your savings have value
Your contribution history builds a credit score. The more regular your contributions, the higher your score. A good score gives you access to bank loans from our microfinance partners. The tontine becomes your gateway to the formal financial system.

🌍 REMOTE TONTINES
Participate in a tontine with people in different cities or countries. Ideal for the African diaspora and dispersed families. Distance is no longer an obstacle to community savings.

🛍️ MARKETPLACE (Coming Soon) — Shop Smart Together
Need a phone, equipment, or appliance? Paykko negotiates with wholesalers to offer you discounted prices thanks to the collective purchasing power of the community.

Finally, Paykko will soon allow you to invest small amounts in African SMEs.

HOW DOES IT WORK?

1. Create or join a tontine
2. Define the amount, frequency, and participants
3. Contribute automatically each cycle
4. Receive your share securely

WHO IS IT FOR?

- Friends, family, and colleagues who want to save together
- Communities and associations
- African diaspora wishing to maintain solidarity through savings
- Merchants, artisans, and professional groups
- Anyone wishing to access structured savings without a bank account

FEATURES
- Create a tontine in just a few clicks
- Invitation via link (Code, SMS, etc.)
- Automated payments via mobile money
- Smart reminders and notifications
- Complete history and traceability of each transaction
- Credit score based on your contributions
- Tontines between cities and countries
- Personal dashboard with accumulated savings
- Flexible cycles: weekly, bi-weekly, or monthly

TRANSPARENCY AND TRUST
With Paykko, every transaction is traceable. You know who contributes, when, how much, and who receives. The tontine becomes a reliable and modern tool for solidarity once again.

What’s new

- New Alias feature for privacy
- Update Profile feature
- Ambassador program
- Many minor bugs are fixed