Platform Capabilities
Features
QSavings provides a complete toolkit for managing group savings, loans, and social fund campaigns. Every feature is designed for transparency, accountability, and ease of use.
Phone-based Auth
Register and verify with phone number. No email required.
Cycle Management
Configurable savings cycles with automatic start/end tracking.
Fee Transparency
Every fee is calculated, recorded, and visible. No hidden charges.
Immutable Ledger
Append-only ledger entries. Financial history cannot be altered.
Notifications
Stay informed about contributions, loans, and campaign updates.
Idempotent API
Every mutation uses idempotency keys. No duplicate transactions.
Group Management
Create and manage savings groups with clear governance structures and flexible configuration.
- Create groups with custom share value, frequency, and loan rules
- Invite members by phone number
- Assign committee roles: chairperson, treasurer, secretary
- Configurable cycle duration (e.g. 12 months)
- Grace period settings for late payments
- Group-level loan multiplier and interest rates
Contribution Tracking
Share-based contribution system with multi-step verification and complete audit trails.
- Record contributions by share count (shares x share value)
- Committee-based verification workflow
- Reject with reason and resubmit flow
- Automatic 5% platform fee calculation
- Net vs gross amount tracking
- Contribution summary with verified/pending/rejected totals
Loan Management
Borrow against verified contributions with multi-committee approval and automated repayment tracking.
- Eligibility check: max loan = contributions x multiplier - active balance
- Multi-committee approval (ALL must approve, ANY can reject)
- Configurable interest rate per group
- Automated repayment schedule generation
- Late payment penalty enforcement after grace period
- Full loan lifecycle: apply, review, disburse, repay, complete
Social Fund Campaigns
Run targeted fundraising campaigns for members in need with transparent progress tracking.
- Create campaigns with target amount and beneficiary
- Member pledges with real-time progress bar
- 5% platform fee on collected funds
- Campaign lifecycle: active, completed, cancelled
- Beneficiary selection from group members
- Full pledge history and amount tracking
Platform Administration
Complete platform oversight with user management, revenue analytics, and audit logging.
- Dashboard with total users, groups, contributions, revenue
- User management with verification and KYC status
- Platform-wide group listing with member counts
- Revenue breakdown by fee type (contribution, loan, campaign)
- Immutable audit log with action, entity, timestamp
- Platform admin role with elevated access
Security & Compliance
Enterprise-grade security with JWT auth, role-based access, and immutable financial records.
- JWT authentication with 1-hour access tokens
- Phone number verification via OTP
- Per-request group role authorization (no roles in JWT)
- Idempotency-key enforcement on all mutations
- Immutable ledger entries for every financial transaction
- RFC 7807 standardized error responses
See it in action
Ready to bring your savings group online? Get started in minutes.