How Njangi House Works
A 2,000-year-old African savings tradition, secured by smart contracts on Polygon.
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
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.
