Mutara (mu tara, let us gather)
Mu tara.
Let us save together.
Run your Ajo, Adashe or Esusu with a record everyone can see. Contributions, reminders, payouts and a ledger nobody can quietly change.
It replaces three things done badly
The notebook
One person keeps the records and nobody else can check them.
The WhatsApp group
Payment screenshots get buried. Reminders get ignored.
The bank transfer
Money moves with no record of what it was for.
How it works
- 1
Set the rules
Amount, how often, who collects when. Once the first payment is in, the rules lock.
- 2
Invite your people
Share one link on WhatsApp. Members sign up with their phone number and land in the group.
- 3
Pay and confirm
Members pay the collector as usual and mark it paid with proof. The collector confirms.
- 4
Everyone sees the grid
Who has paid, who is behind and whose turn is next. Nobody has to ask.
Four ways to save, one engine
Rotating
Everyone pays a fixed amount each cycle. One member takes the full pot each time, in order.
Fixed to end
Everyone pays a fixed amount each cycle. Each member gets their own total back at the end.
Flexible
Pay any amount, any time. Take it out on request or at the end.
Individual
Save on your own schedule toward a target date, with the same clean record.
The ledger is the product
Nothing is ever edited
Mistakes are fixed with a reversal and a reason, next to the original entry.
Every action is logged
Who did what, when, and what it was before. Every member can read it.
Statements you can forward
Send a read-only statement link to anyone. It expires when you say.
Your money stays where it is
In manual mode Mutara never touches money. Members pay the collector's own bank account, and Mutara keeps the record. Wallet mode, with funds held by a licensed partner, is coming.
Members pay the collector's own bank account. Mutara records, confirms and reminds.
Members pay into a dedicated account held by a licensed partner. Payments confirm automatically.