No jargon, no hand-waving — here's exactly what happens from setup to payout day.
Pick Rotating Payout (everyone contributes each round, one member takes the pot on rotation) or Savings Pot (everyone saves together toward a shared goal). Set your contribution amount, frequency, and add your members' names and emails.
No password, no app. Each member enters their email, gets a one-tap sign-in link, and clicks once. That link expires in 30 minutes if unused, and can only ever be used once — after that, they stay signed in on that device.
Money still moves exactly how your group already handles it — bank transfer, cash, whatever works. Stokvel Chommie never touches the money itself. It only records that a payment happened.
The treasurer taps to confirm they received it. The member taps to confirm they paid it. Only once both confirmations are in does it count as paid — neither person can mark it done alone. This one rule removes almost every stokvel dispute at the root.
The treasurer's phone and a member's laptop are reading the same database — not separate copies. Mark a payment on one device, and it updates everywhere instantly.
A payout is only marked received once both the treasurer and the recipient confirm it — same dual-confirmation principle, applied to money going out as well as in.
Most of what makes Stokvel Chommie different comes down to two design decisions, not a long feature list.
Every contribution and every payout needs sign-off from both people involved. One person's word is never enough to change the record — which means there's nothing to argue about later.
Every confirmation, login, and change writes a new, permanent line — logins, contributions, payouts, reorders. Nothing is ever quietly edited or deleted after the fact, and any member can see the full history.
Gamification here isn't decoration — it's a direct reflection of the confirmation history above, not a separate system you have to trust on its own.
Click around a live example first, or jump straight into setting up your own.