Group Savings Tradition
Njangi, reinvented
for the digital age
The rotating savings group trusted for generations – now with escrow protection, trust scores, automated payouts, and zero fees.
What is a Njangi?
A Njangi (also called tontine) is a traditional rotating savings group. A group of trusted people each contribute a fixed amount at regular intervals. One member receives the full pot each cycle, rotating until everyone has had their turn.
It's community banking – built on trust. Payroon keeps the trust, removes the risk, and makes it work online for groups of any size.
Digital Njangi – built for trust
Escrow Protection
Every contribution is held securely in escrow by Payroon. No individual admin can touch the pot until the scheduled payout date.
Trust Score System
Every member builds a reputation. Pay on time, score rises. Miss a payment, it drops. Admins see scores before accepting members.
Automated Cycle Management
Payroon tracks deadlines. When a cycle opens, members receive notifications. On payout day, funds are released automatically.
A Njangi group in action
Start your Njangi in 3 steps
Create your group
Set contribution amount, cycle length, payout order, and invite members.
Contribute each cycle
Members contribute from their Payroon balance. Payroon holds it in escrow.
Receive your payout
On your payout date, the full pot lands in your wallet. Withdraw instantly.