01
Set the rhythm once.
Add the contribution amount, due date, and agreed payout rotation. Everyone starts from the same plan.
Stokvel operating system
Transparent together. Stronger.
Kopano gives organisers one transparent system for contributions, payout proof, and rotation—without ever holding a cent of the group's money.
We run the system. You keep the money.
Sizwe Savings Group
September contribution cycle
This month
R2,400
12 of 16 contributions confirmed
Next payout
03
Thandi M. · 12 Sep
Rotation agreed
TM
Proof received
Thandi M. confirmed her contribution
The Kopano promise
Clear records. Shared trust.
0
Rand held by Kopano. Your money stays where your group already banks.
1
Shared record for contributions, payout order, proof, and the monthly story.
All
Members invited into the same source of truth—not a private notebook.
Built for real groups. Real life.
The notebook, made visible.
A practical rhythm for organisers who need less chasing, fewer crossed wires, and a fairer way to keep everyone aligned.
02
Keep the record shared.
Track contributions and attach payout proof in one clear place instead of hunting through WhatsApp messages and notebooks.
03
Resolve questions together.
Members can see the same dates, confirmations, and agreed rotation—so the record speaks before a dispute grows.
WhatsApp is where the group talks
Kopano is where the group remembers.
The goal is not more admin. It is one clean record that backs up the conversation: who paid, who is next, and what proof the group can see.
No custody. No confusion.
Your group's bank account remains your group's business.
Phase 0 · organiser research
Help us build the right record.
We are speaking with stokvel organisers before we build. Tell us how you track contributions today, where disputes start, and what would make the monthly admin lighter.
A short organiser conversation
No pitch. No payment details. Just your real process and what needs fixing.
Talk to the Kopano teamQuestions, answered
Does Kopano hold or move our stokvel money?
No. Kopano runs the coordination system only. Contributions and payouts stay in members’ own bank accounts or the group’s existing account.
Who is Kopano speaking to right now?
We are in Phase 0: listening to stokvel organisers who currently carry the admin burden. We want to understand what breaks before we build the right workflow.
What would the first workflow cover?
Shared contribution tracking, payment confirmation and proof, payout rotation, reminders, and a monthly statement the whole group can reference.