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Live on Polygon Amoy$NKAP Token Live

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.

Open-Source Contracts
~$0.02 per tx
14 Countries
Community member 1
Community member 2
Community member 3

Join aNjangi

Start saving today

—

Savings Houses

—

Total Value Locked

0

Countries

~$0.00

Avg. Tx Cost

Features

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.

Open-Source Smart Contracts

ROSCA logic secured on Polygon. ReentrancyGuard, ECDSA oracle verification, anti-replay protection. Currently on Amoy testnet — formal audit planned before mainnet.

NFT Contribution Badges

Dynamic on-chain NFTs evolve with your streak — Bronze, Silver, Gold, Diamond. Future DeFi credit scoring integration.

How It Works

Simple as Your Grandmother's Njangi

Three steps to decentralized community savings.

The Birth
01

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
The Circle
02

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
The Triumph
03

"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
Community members gathered in a traditional njangi savings circle

"The circle has always existed. We've given it tools it deserves."

The Story

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

Live

On Polygon Amoy

Sending payment

25,000 XAF

≈ 38.17 USDCProcessing
Q3 2026 · MOMO Bridge

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.

1

Dial *126# or use app

Standard MTN MOMO flow

2

Send to Njangi MOMO number

Dedicated per-house number

3

Oracle detects payment

Webhook triggers in <30s

4

XAF → USDC via Yellow Card

Live FX rate, locked for 30 min

5

USDC credited on-chain

Transaction confirmed on Polygon

No crypto wallet required for MOMO users
Supports MTN MoMo & Orange Money
XAF, GHS, NGN, KES and more
Real-time FX rates via Yellow Card API

Real Transaction Proof

MTN MOMO text message confirmation showing successful payment

MTN MOMO Instant Confirmation

Campay email receipt showing transaction details

Campay Email Receipt

These receipts prove the Mobile Money to USDC conversion happens in real-time.See the full 5-minute process →

Community

Members Across Africa
and the Diaspora

“Sample scenario: A community savings organizer uses the platform to manage contributions via Mobile Money. The MOMO integration allows members in the village to pay without touching crypto.”
Sample User A

Sample User A 🇨🇲

Community member, Cameroon

50,000 XAF / month

Example scenario

“Sample scenario: A diaspora savings circle with members across multiple countries contributes in USDC while family members receive payouts via Mobile Money bridge.”
Sample User B

Sample User B 🇬🇧

Diaspora member, UK

$200 USDC / month

Example scenario

“Sample scenario: A savings circle participant uses their payout for business. $NKAP rewards provide fee discounts. DeFi yield is generated on pooled funds.”
Sample User C

Sample User C 🇳🇬

Entrepreneur, Nigeria

₦80,000 / month

Example scenario

Njangi House
×
$NKAP Token

Start Your Njangi House Today

Join over 1,000 savings circles powered by Polygon. Deploy in 5 minutes, contribute via Mobile Money or USDC.

On Polygon Amoy Testnet · Open-Source Contracts · No KYC for wallet users

$NKAP gold coin — Njangi Financial Ecosystem token

100M

Total Supply

NKAP tokens

40%

Community Rewards

40,000,000 NKAP

25%

Ecosystem

Grants & Partnerships

100

Contribution Reward

NKAP per on-time payment

$NKAP Token

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.