BMD: Njangui, Susu & Tontine

Your njangui, your hui, your shared expenses: finally clear. BMD replaces the notebook, the WhatsApp screenshots and the end-of-round arguments. Who paid in, who owes what, who receives this month: one screen. ROTATING SAVINGS - NJANGUI, HUI, SUSU, ESUSU, STOKVEL - Set the order of beneficiaries, track contributions, send automatic reminders to every member. - Hui: monthly bidding so a member can receive the pot earlier, with the full bid history. - Proof for every payment: receipt photo, confirmation from the beneficiary, timestamp. - The group organiser stays in control; every member sees the same truth. SHARED EXPENSES - Add an expense and BMD instantly works out who owes what. - Flatshares, trips with friends, nights out, family events. - Optimised settlements: the smallest number of transfers to clear everything. - Receipt scanning, multi-currency, categories. IOU AND LOAN RECORDS - Formalise a loan between friends or relatives in two minutes. - Repayment schedule, witnesses, guarantors, document stored in the app. - A written loan is a friendship preserved. GROUP FUNDS - Built for associations, churches, clubs and families. - Fund balance, money in, money out, supporting documents. - Every member can check for themselves, nobody has to take it on trust. WHY BMD IS DIFFERENT BMD is a ledger, not a bank: the app never holds your money. No account to open, no funds locked, no commission on your contributions. You keep paying the way you always have - cash, bank transfer, mobile money - BMD simply guarantees that everyone sees the same thing. WHO IT IS FOR - African diaspora savings groups in the UK, France, Belgium, Luxembourg, Switzerland, Canada and the US - Njangui and hui groups in Cameroon and Central Africa - Susu, esusu, ajo and stokvel groups in Ghana, Nigeria and South Africa - Flatmates and groups of friends travelling together - Associations, clubs and churches running a common fund Shared money. Friendships protected. A question, a bug, an idea? Write to us, we reply quickly.