Ethosia Smart Cooperative
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Ethosia Smart Cooperative

Cooperative thrift, contributions, loans & payouts — simple. secure. automated.

Run contribution cycles, member wallets, distribution requests, bank payouts (Paystack/Flutterwave), reminders, receipts, and loan guarantors — all in one dashboard.

Member Login Create Account Admin Portal
SECURE
OTP + audit-ready flows
PAYMENTS
Paystack + Flutterwave
AUTOMATION
Webhooks + receipts
What you can do
Contribute & Save
Weekly/monthly plans with wallet tracking.
Transfer with OTP
Member-to-member transfers secured by OTP.
Request Payouts
Admin approvals + bank payouts + reconciliation.
Loans + Guarantors
Risk limits, guarantor acceptance, repayments & arrears.
Reports & Exports
CSV exports for loans, payouts & arrears.

How it works

SETUP
Create cooperative + admin
Install once, configure keys, invite members.
CONTRIBUTE
Members save weekly/monthly
Wallet ledger tracks every inflow and outflow.
PAY OUT
Approve & disburse
Automated receipts, reminders and reconciliation.

Built for trust

CONTROLS
Roles + approvals
Admin review for payouts & loans.
COMPLIANCE
Receipts + audit trail
Templates + transaction logs.
SPEED
One dashboard
Members and admins stay aligned in real-time.
© 2026 Ethosia Smart Cooperative. Built for cooperative trust.