Community Savings, Reimaginedfor Web3
Digitize your Njangi savings circle on Polygon. Pay via MTN Mobile Money or USDC. Earn $NKAP rewards, unlock DeFi yield, and build credit history on-chain.
1,000+ Members
across 14 countries
0+
Active Houses
$0K
Total Value Locked
0
Countries
~$0.00
Avg. Tx Cost
Everything Your Circle Needs
From mobile money payments to DeFi yield — built for Africa, accessible everywhere.
Rotating Savings Circles
Traditional Njangi digitized. Each cycle, one member receives the full pooled contributions — rotating until everyone has received.
Mobile Money Bridge
Pay via MTN Mobile Money or Orange Money in XAF. No crypto wallet needed for participation — our oracle handles the conversion.
DeFi Yield on Idle Funds
Enable Aave v3 integration to earn yield on pooled funds between rounds. Extra income for members at no extra cost.
$NKAP Rewards
Earn $NKAP tokens for every on-time contribution. Hold to reduce platform fees from 0.5% to 0.1%, vote on governance.
Audited Smart Contracts
ROSCA logic secured on Polygon. ReentrancyGuard, ECDSA oracle verification, anti-replay protection. Zero critical findings.
NFT Contribution Badges
Dynamic on-chain NFTs evolve with your streak — Bronze, Silver, Gold, Diamond. Future DeFi credit scoring integration.
100M
Total Supply
NKAP tokens
40%
Community Rewards
40,000,000 NKAP
25%
Ecosystem
Grants & Partnerships
100
Contribution Reward
NKAP per on-time payment
The Currency of Community Savings
$NKAP is the utility and governance token powering the Njangi House ecosystem. Save consistently, earn $NKAP, and unlock better rates, voting rights, and future DeFi credit.
Fee Reduction
0–999 NKAP: 0.5% fee · 1K–9.9K: 0.3% · 10K+: 0.1%
Governance
Vote on protocol parameters, fee changes, and grant allocations.
Contribution Rewards
100 NKAP per on-time payment + 500 NKAP referral bonus.
Credit Scoring (Q4 2026)
On-chain payment history for DeFi lending protocols.
Burn Mechanism
20% of platform fees burned quarterly to reduce supply.
Simple as Your Grandmother's Njangi
Three steps to decentralized community savings.
Create or Join a House
Set up a Njangi savings circle in 5 minutes. Invite members by wallet address or MOMO number. Define contributions, frequency, and payout order.
- 2–20 members per house
- Weekly, bi-weekly, or monthly
- Assign payout rounds upfront
Contribute Each Round
Pay your share via MTN Mobile Money, Orange Money, or USDC directly. On-time payments earn 100 $NKAP rewards.
- MOMO → USDC via oracle bridge
- Late grace period & fee options
- 100 NKAP for every on-time payment
"Chop" the Pool
When your round arrives, you receive the entire pooled amount — plus Aave yield if enabled. Receive USDC or directly to your MOMO number.
- Full pool paid on-chain
- Optional Aave yield boost
- Payout NFT minted as proof
"The circle has always existed. We've given it tools it deserves."
2,000 Years of Community Finance, Now On-Chain
The njangi is a centuries-old West African savings tradition. A group of trusted members pools regular contributions. Each cycle, one member receives the full pot. The circle rotates until everyone has been paid.
Njangi House brings this tradition to the blockchain — making it transparent, automated, and accessible to anyone with a mobile phone, whether they have a crypto wallet or just MTN MOMO.
14
Countries
1,000+
Active Circles
$500K+
Total Saved
Sending payment
25,000 XAF
Step 1 of 5
Dial *126#
Confirmed ✓
38.17 USDC sent
Pay with Mobile Money, No Wallet Needed
400 million Africans use mobile money daily. Our oracle bridge lets anyone participate in a Njangi House using their existing MTN or Orange Money account.
Dial *126# or use app
Standard MTN MOMO flow
Send to Njangi MOMO number
Dedicated per-house number
Oracle detects payment
Webhook triggers in <30s
XAF → USDC via Yellow Card
Live FX rate, locked for 30 min
USDC credited on-chain
Transaction confirmed on Polygon
Members Across Africa
and the Diaspora
“My grandmother ran njangi circles for 40 years with a notebook. Now I run one on my phone with smart contracts. The MOMO integration means my members in the village can pay without touching crypto — they just dial *126# like they always do.”
Amara Njike 🇨🇲
Teacher, Douala, Cameroon
50,000 XAF / month
“I'm part of a diaspora njangi with 8 members across the UK, Germany, and Ghana. We contribute in USDC, my family in Accra receives in GHS via the MOMO bridge. The transparency is game-changing — everyone can see the pool on-chain.”
Kwame Asante 🇬🇧
Software Engineer, London, UK
$200 USDC / month
“I used my njangi payout to stock my boutique. The DeFi yield meant we got about 3% extra on top of our pool. The $NKAP rewards I've earned already discount my fees. This is what African fintech should look like.”
Chioma Okonkwo 🇳🇬
Entrepreneur, Lagos, Nigeria
₦80,000 / month
