Ledger, invoicing, payroll, and savings circles — unified in one calm, intelligent platform designed for the way African business actually works.
Harmony Index
78 / 100
Niatse AI: Upload your Q2 bank statement to boost Data Fidelity to 90+.
Net cash flow
+GHS 4,820
GHS 2M+
Transactions tracked
1,200+
Invoices sent
340+
Susu circles
98%
On-time contributions
Everything in one place
Every MoMo, bank transfer, and cash flow automatically captured and categorised. Parse SMS receipts in real time.
Create professional invoices in seconds, send via WhatsApp, and track every payment from draft to settled.
Run monthly payroll with PAYE and SSNIT auto-calculated. Dispatch payslips to every employee over WhatsApp.
Your 0–100 financial health score across data fidelity, social trust, profitability, and compliance.
AI-driven analysis of your readiness for institutional funding. Know your funding gap and what to fix.
Full iOS and Android apps. Feature-phone users join via *384*xxx# — no smartphone required.
Susu Circle
Friday Family Savings
Susu is the traditional African savings circle — now with automated scheduling, MoMo payments, contribution tracking, and a Harmony trust score for every member.
Harmony Index
Your Harmony score (0–100) tracks data fidelity, social trust, profitability, and compliance — and tells you exactly what to improve to unlock the next level of growth.
Start for freeGetting organised
Building consistency
Scaling confidently
Institutional-grade
