01
A single shared ledger
Share capital, loans, interest, fees and the society’s earnings live in one place. What the committee records is what every member sees, in the same moment.
ProductCloud · Mobile
Savings society platform
One ledger.
Every member, live.
A cloud platform for savings societies and credit groups. Share capital, loans, interest and monthly collections are recorded once by the committee and appear immediately on every member’s phone. The books stay open to everyone who has a stake in them, and closed to everyone who does not.
Open to read, controlled to write
A society runs on trust, and trust runs on transparency. Every member can see the whole book and their own statement, raise a loan request and follow its progress. Recording money and changing rates stay with the committee, and those boundaries are enforced by the platform rather than by convention.
One
Shared Ledger
3
Access Levels
Live
On Every Phone
Member · the books, their statement, loan requests
Chairman & Secretary · approvals and oversight
Administrator · collections, rates and membership
What it does
The society’s year, in one place.
From the monthly collection to the annual position, without a spreadsheet in the loop.
02
Loans, end to end
A member raises a request, guarantors are named, the committee approves, and the loan then carries its own schedule, interest and outstanding balance until it closes.
03
The monthly collection
One screen takes the whole month’s collection, works out what each member owes, and posts the share, interest and principal together.
04
Member self-service
Each member opens their own bill, statement and loan history, and households running several accounts see them together.
05
Digital payments
Members can pay from the app, and the treasurer confirms each payment against the bank before it lands in the books.
06
A book that can be explained
Every entry, approval and change is recorded with who did it and when, so any figure in the ledger can be traced back to its source.
How it is built
A web app on a cloud database.
Installed straight from the browser onto a phone, with permissions enforced in the database and every change broadcast to connected devices as it happens.
Web App
Cloud Database
Realtime Sync
Role-based Access
Secure Authentication
Digital Payments
Let's build
Run a society, chit or credit group?
Tell us about the hard problem. We'll show you how we'd architect, build and ship it.