Before You Begin
You don't need to be a crypto expert to use Njangi House. If your group prefers to pay in Mobile Money (MTN MOMO or Orange Money), you can participate without ever touching a crypto wallet. If you do want a wallet for on-chain rewards and governance, we'll walk you through that too.
What you'll need (minimum):
- A smartphone or computer with internet access
- Your group's contribution amount agreed upon
- At least 2 people ready to join (you can launch solo and invite after)
What's optional (but unlocks more features):
- A crypto wallet (MetaMask, Rainbow, Coinbase Wallet, or any WalletConnect-compatible wallet)
- USDC on Polygon Amoy for on-chain contributions
Step 1: Connect Your Wallet (Optional but Recommended)
Visit njangi-37297.web.app and click Connect Wallet in the top right.
Choose your wallet:
- MetaMask — most popular, available as browser extension or mobile app
- Rainbow — excellent mobile experience, great for beginners
- Coinbase Wallet — easy onboarding with direct fiat-to-crypto
- WalletConnect — connects any mobile wallet by scanning a QR code
When prompted, switch to the Polygon Amoy network. Your wallet will show a network switch request — approve it.
New to wallets? Download Rainbow App on iOS or Android. Create a new wallet, write down your 12-word seed phrase (never share it), and you're ready. Fund it with USDC via the in-app bridge.
Step 2: Create Your House
Navigate to App → Houses → Create House or click the Create Your House button on the homepage.
The creation wizard has 5 steps:
Step 1 — Name & Description
Give your house a meaningful name. This will appear on-chain and in your members' dashboards. Examples:
- "Famille Biya Monthly Circle"
- "Lagos Tech Women Q2 2026"
- "Douala Diaspora Paris Group"
Add a short description so members know what the group is about.
Step 2 — Contribution Settings
- Contribution amount: How much each member pays per round (in USDC)
- Frequency: Weekly, bi-weekly, or monthly
- Maximum members: Up to 20 per house
- Grace period: Days after the deadline before a member is flagged (1–7 days recommended)
- Late fee %: Percentage penalty for late contributions (0–10%)
Example setup for a 6-person monthly circle:
- Contribution: 50 USDC per member
- Frequency: Monthly
- Pool per round: 300 USDC
- Each member receives once: 300 USDC
Step 3 — Payment Methods
Choose which payment methods members can use:
- USDC on-chain (always enabled)
- MTN Mobile Money (toggle on for Cameroon/West Africa members)
- Orange Money (same)
Step 4 — Advanced Options
- Enable Aave yield: Earn DeFi interest on idle pool funds between rounds
- Enable $NKAP rewards: Members earn NKAP tokens for on-time contributions
- NFT badges: Members earn on-chain achievement badges
For first-time groups, we recommend enabling NKAP rewards and leaving yield disabled until you're comfortable with the platform.
Step 5 — Review & Deploy
Review all settings. Click Deploy House to broadcast the transaction. You'll pay a small gas fee (~$0.01–0.03 on Polygon).
Once confirmed, your house is live with a unique contract address.
Step 3: Invite Your Members
After deployment, you'll land on your House page. Copy the invite link and share it with your group via WhatsApp, Telegram, or any messaging app.
When a member opens the invite link:
- They see the house details (name, contribution amount, schedule)
- They click Join House
- If they have a wallet: connect and sign the enrollment transaction
- If they use MOMO: they provide their phone number for payment notifications
Members appear in the Members section of your house page once enrolled.
Step 4: Run Your First Round
Once all members are enrolled, you (the organizer) can open Round 1 by clicking Start Round. This sets the payout recipient (based on the order agreed at creation) and opens the contribution window.
Members receive a notification:
"Round 1 is now open. Contribute 50 USDC (or 32,750 XAF via MTN MOMO) by April 15, 2026. On-time contributions earn 100 $NKAP."
Members pay via their chosen method. The progress bar on the house page updates in real time as contributions arrive.
When all members have paid, the contract automatically disburses the pool to the round recipient. No manual action required from the organizer.
Step 5: Track Your Circle
The Dashboard at /app/dashboard shows:
- All your active houses
- Your NKAP balance and reward history
- Your contribution streak
- Your NFT badges
- Upcoming deadlines
Tips for a Successful House
Choose members you trust. Smart contracts enforce payment logic, but your group's social cohesion matters. Start with people who have a track record of reliability.
Agree on payout order before launching. The order is written into the contract at creation. Discuss who goes first — often determined by who needs the money most urgently.
Set a realistic contribution amount. It should be enough to matter but not so much that it strains members. A common first house: 25–100 USDC per month.
Enable notifications. The platform sends WhatsApp/SMS reminders 7 days, 3 days, and 1 day before deadlines.
Start small. Run a 3- or 4-person circle for the first round. Once everyone is comfortable, expand.