The tontine,
reinvented for the continent.
Epargix digitises traditional njangui with the rigor of a fintech. Savings, solidarity credit, welfare, governance — 22 modules that fit your group's rules.
22 modules. One platform.
Every module activates per your group's rules. No technical setup required.
Global Trust Score
A 0-1000 portable rating across all your groups. Replaces classic bank collateral.
Smart Collateral
Your savings stand in as collateral before guarantors are pulled in. Self-secured loans, rates based on your score.
Automated welfare
Bereavement, illness, disaster — solidarity is triggered on digital evidence in under 24h.
Waterfall cascade
Each payment is auto-allocated according to your group's priorities.
DAO governance
Trust-Score-weighted votes, on-chain proposals, automatic resolutions — your group governs itself.
AI forecasts
90-day cashflow predictive model with liquidity alerts and crisis simulation.
3 steps to begin
Create or join a group
Join via referral link or create your own tontine. KYC in under 5 minutes.
Contribute and save
Mobile Money, cash, wire — every franc paid triggers the cascade automatically.
Unlock credit and solidarity
Your Trust Score unlocks credit, welfare, and priority in Njangui cycles.