Client: Ohana Africa (Haagbo Inc) — "Fintech for Groups." Ohana turns informal community savings systems — tontines, chamas, susus — into a transparent digital platform. BixoSoft develops the product across its Flutter app, backend, payment integrations, lending engine and admin dashboard.
Take a financial tradition older than banks — and make it digital without breaking the trust that holds it together.
In much of Africa, the savings group is the real financial institution. Families pool emergency funds, churches collect contributions, entrepreneurs raise capital and funeral societies support bereaved members. These systems run on social trust — but a notebook cannot prove a balance, a treasurer can disappear, and a member's years of faithful contributions earn no credit history.
Digitizing this is far harder than building a wallet app. Money in a savings group is shared money: it belongs to a group, sits in pools, and can only move when the right people approve. The software must encode governance — managers, supervisors, approval workflows, disbanded-group rules — not just transactions.
The environment adds its own constraints: three countries with different currencies and payment systems (TMoney in Togo, M-Pesa in Kenya, banking rails such as Ecobank, plus cards), French- and English-speaking users, and mobile networks where connectivity drops mid-transaction. A payment that silently retries into a double-withdrawal isn't a bug — it's a community's emergency fund gone wrong.
Group finance, wallet infrastructure, lending and operations — one platform, engineered module by module.
The social structure of a tontine, encoded in software.
Far more than a single balance — a layered money system.
Every market pays differently — the platform speaks to all of them.
Turning savings behaviour into access to credit.
Built for markets where connectivity is a feature, not a given.
The complete product surface, in two languages.
The platform mirrors how savings circles already work — then adds the transparency and safety the notebook never had:
Every movement of money passes through verification, approval and an auditable transaction record — the difference between digitizing trust and merely digitizing cash.
Ohana is a production fintech platform with live financial workflows — and an architecture ready for its multi-country ambitions.
Real contributions, withdrawals, disbursements and loan repayments flow through the platform's wallets and payment rails — tested and hardened against the failure modes of real money movement.
TMoney, M-Pesa, Ecobank and card rails are unified behind one wallet architecture, with currency-aware limits and country management built into the admin dashboard.
Two-manager minimums, supervisor roles, approval workflows and member-visible transactions replace the opaque notebook — while TrustScore turns years of faithful saving into credit access for the first time.
Idempotent payment credits, unique per-attempt references, OTP verification, double-withdrawal elimination and offline-safe sessions — the unglamorous engineering that makes shared money trustworthy.
Ohana isn't a UI for tracking savings — it's community governance, multi-balance wallets, mobile-money rails and peer lending working as one system. BixoSoft builds fintech where the hardest requirement is trust.
We integrate mobile money, banks and cards behind clean wallet architectures — with the idempotency, verification and audit trails real money demands.