How it works
Three steps and your circle is up and running.
Admin creates the circle and invites members
Choose the circle type (Tontine or AVEC), set the parameters and share the invite code.
Each member contributes on their own schedule
In AVEC, each member sets their own amount. In Tontine, the amount is the same for everyone each cycle. Contributions are paid straight from each member's Likelemba wallet and confirmed instantly, no chasing cash. You can also launch a one-time Fundraiser toward a shared goal.
Payouts land instantly, loans stay tracked
When it's a member's turn, the cashier releases the payout straight to their wallet. The AVEC admin can grant loans from the group fund and track repayments, all recorded automatically.
Everything your circle needs
A complete solution covering the full lifecycle of your Tontine or AVEC circle.
Full transparency
Every member sees who paid and who owes. No ambiguity, no misunderstandings.
Two circle types
Classic Tontine, or AVEC with a group fund and loans. Plus one-time Fundraisers for life events.
Roles per circle
Admin, cashier, secretary and member. Each with clear and distinct permissions within the circle.
Personal contributions (AVEC)
In an AVEC circle, each member sets their own contribution amount per period based on their means.
Credits between members
Ask for a loan or offer one, negotiate the terms, then sign in the app. Signatures can be confirmed with Face ID or a fingerprint, and the final agreement is a PDF protected by a cryptographic seal.
A charter for every cycle
When a cycle starts, its rules are frozen and every member signs them. The signed charter becomes a shared document that nobody can quietly change afterwards.
Documents in one place
Attach receipts, photos and contracts to a credit, or share the circle rulebook with all members. Files open right in the app and can be saved or shared elsewhere.
Private conversations
Every circle, credit and fundraiser has its own chat. Messages are stored encrypted, so only the people inside a conversation can ever read them.
A wallet for every member and circle
The moment you join, you get a secure digital wallet. Every circle and fundraiser has its own group wallet too, so contributions, entry fees and payouts are tracked automatically, down to the last cent.
Deposit, withdraw and send in seconds
Fund your wallet by mobile money, card or cash pickup, withdraw the same way, and send money instantly to any other member on Likelemba.
One-time fundraising for life's big moments
Wedding, medical emergency, funeral or a big project: mobilise your network, set a goal, and let the fundraiser close itself on the date you choose.
Set a goal
Define the amount to raise and the closing date for the fundraiser.
Mobilise your network
Share the link with your loved ones. Everyone contributes at their own pace, from their phone.
The fundraiser closes
On the chosen date, the collected funds are automatically handed to the organiser.
Frequently asked questions
The things people usually want to know before bringing their circle to Likelemba.
Yes. Every member gets a secure digital wallet, held in custody through our payment partners the same way a mobile money balance is held by its provider. You fund it by mobile money, card or cash pickup, and every movement, contributions, payouts, loans and transfers, is recorded on an auditable ledger that every circle member can see.
Your wallet holds a digital dollar-equivalent balance, so its value doesn't drift with local currency swings the way cash sitting in a drawer might. It's created automatically the moment you sign up. You never need to buy or understand crypto yourself: deposits and withdrawals happen in your local currency, card or cash, and the conversion happens behind the scenes.
The admin creates the circle, invites members and sets the contribution amount, the frequency and the payout order. Each cycle, everyone contributes straight from their wallet and the app confirms it instantly, then the pot moves to the member whose turn it is the moment the cashier releases the payout. AVEC circles work with a shared fund and loans instead of a rotating pot.
A circle can define late penalties, either a percentage or a fixed amount, and the app applies them automatically. Since every member sees the same numbers, the conversation stays honest and nobody has to play the bad guy.
When a cycle starts, its rules are frozen: amounts, frequency, penalties and payout order. Every member then signs this charter in the app. Once the last signature is in, it becomes a PDF carrying all the signatures and a cryptographic seal, generated in the language of each member.
One member requests a loan or offers one, the two sides negotiate with counter offers, then both sign in the app. Repayments move straight from the borrower's wallet to the lender's and are confirmed instantly. You can attach photos or documents as evidence, confirm your identity with Face ID or a fingerprint at the moment of signing, and track repayments until the credit is fully settled.
No. Conversations are stored encrypted in our database, and only the members of a chat can see it. Even someone with direct access to the database would find nothing but unreadable text.
The app is available in French and English, on Android and iPhone. Dates, notifications and the generated documents such as agreements and charters all follow the language you choose.
Creating an account and joining circles is free. Adding money to your wallet or taking it out (by mobile money, card or cash pickup) may carry a fee from that payment method, always shown before you confirm. Sending money to another member carries a small platform fee, also shown up front. There are no extra fees on confirmed contributions, payouts or loan repayments themselves.
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