The paperwork your regulator and your members both actually trust.
Real identity checks at onboarding, separate roles for the people who approve money movements, an AGM record that can’t be quietly edited, and an export button for whoever needs to see the books — a regulator, a member, or your own auditor.
Identity checked before a wallet opens
Every member verifies with a NIN or BVN, placing them on Tier 1 or Tier 2 — and that tier sets real ceilings: how much they can hold in their wallet, how much they can withdraw, and how much financing they’re eligible for.
A cooperative can tighten the platform default for its own members, but never loosen it — the ceiling is a floor for caution, not a suggestion.
Three roles, three separate approvals
No single administrator can both propose and approve a financing request or a surplus payout.
Society executive
Runs day-to-day admin — member onboarding, cash postings, the first review on any request.
Internal auditor
Clears collateral, repayment risk and financial exposure before anything reaches Sharia review.
Ethics board (Sharia)
Confirms every contract against the society's charter — the final sign-off before money moves.
Immutable AGM minute books
Meeting minutes, attendance and resolutions are recorded and digitally signed — a permanent record instead of a paper book someone has to keep safe.
Broadcasts, on your own brand
Notices and transactional emails carry the cooperative’s own colours and seal — white-labelled, not stamped with someone else’s name.
What an auditor actually gets
- Two-tier KYC (NIN or BVN) gates wallet, withdrawal and financing limits by tier
- No single role holds every key — executive, auditor and Sharia sign-off are separate
- AGM minute books are recorded and signed digitally, not lost in someone's binder
- Every ledger entry exports as CSV, or a formatted PDF summary, on demand
This is the chain behind every disbursement
See exactly how these roles apply to a real financing request, from submission to purchase.