Stok-Vel
Register

Money, recorded right

The ledger is the product. Every rand your group records is private to its owner, visible in total, and impossible to quietly change.

Private member wallets

Each member sees their own savings and contribution history — updated the moment an admin records the meeting. No one else's balance is visible.

Live group total

The whole group watches one number grow together. The total reflects the records your group captures — the cash stays in your own bank account.

Public drawdown board

A member drawing early against their own savings is visible to everyone, because it affects the group pot. The app blocks any drawdown beyond the member's own balance.

Statements on demand

Monthly and year-end statements — clean, printable, each member's own data. Proof of where you stand, without asking anyone.

Year-end close

December pays savings back to each member on record and splits bank interest per your rules, equal or pro-rata. Calculated, logged, irreversible.

Governance & accountability

Stokvels run on committees. The app gives the committee structure — and gives the members oversight of the committee.

Three-admin model

Treasurer, coordinator, and secretary each hold their own login. No single person is the system — responsibilities are shared and visible.

Floor representative

An optional member-side watchdog with read-only access to everything the admins do. Oversight for the members, without admin power.

Tamper-evident audit trail

Every admin action is timestamped and attributed, and the trail cannot be edited. If something changes, the group can see who changed it, and when.

Attendance register

Meeting attendance keeps itself as contributions are recorded — no separate register book, no arguments about who was there.

Communication, in one place

Decisions stop living in a scattered chat between school-run messages. The group's business gets its own home.

Announcements & replies

Meeting dates, decisions, reminders — posted to the group feed with threaded replies, so context never gets lost.

Notifications

Members are notified when it matters — contributions recorded, announcements posted, meetings coming up.

Anywhere access

Built for the phones your members already have.

iOS & Android apps

Real apps for both platforms, wrapped around the same live record — plus installable straight from the browser.

Works on any device

Phone, tablet, or computer — the record is the same everywhere, always current, one sign-in per member.

How does this compare to what we use now?

Paper, spreadsheets, group chats, accounting software — see the capability-by-capability comparison.

Why Stok-Vel

Who can see what — and who checks the admins?

Privacy per member, oversight per group, and the security that carries it all.

Security & trust