Track contributions automatically
Every cycle is laid out in advance. See who paid, who is late and who is next, without a single spreadsheet.
Xodus
Xodus Vault
Pull together. Grow together.
Cotiser ensemble. Grandir ensemble.
Works for njangi · tontine · susu · stokvel · iqub · sou-sou
Pay via Mobile Money or card
Members contribute the way they already pay, in XAF, NGN, GHS, USD, EUR or GBP.
Every member sees everything
Full transparency. One shared ledger of contributions and payouts that nobody can quietly edit.
What Xodus Vault is — and what it is not.
What Vault does
Xodus Vault is an online group ledger. It records every contribution, tracks who has paid and who is late, shows whose turn it is to receive the pot, and keeps a permanent history every member can see. It replaces the notebook, the WhatsApp thread, and the disputes.
What Vault does not do
Xodus Vault does not hold, process, or route your money — not your contributions, not your payouts. Members send contributions directly to their group's treasurer, however their group has agreed: Mobile Money, bank transfer, Wise, Zelle, cash, or any method that works for them. The treasurer manages the actual funds and logs every contribution and payout here, exactly as in a traditional njangi — just with a shared, permanent record instead of a notebook. The only payment Vault ever touches is your group's own monthly platform subscription.
Full transparency. Zero surprises. The same trust your circle already has — just better recorded.
Who is this for?
New to savings groups?
Read our plain guide to how a stokvel, njangi, tontine or susu works, the rules to agree on first, and how to run one without arguments.
What is a stokvel and how to start one →Part of the Xodus Ecosystem
Xodus Habitat
Rent, buy or sell property in Cameroon. Scout-verified listings, escrow-protected payments, and a diaspora management portal.
xodushabitat.com →XODUS Mastermind Alliance
A private investment circle pooling small contributions into real businesses we collectively own.
xodusmastermindalliance.com →