Frequently asked questions.

Download the app from the App Store or Google Play, enter your phone number, and complete identity verification via Veriff (document scan + selfie). The whole process takes about two minutes.

Njangy is designed to serve any community practicing rotating savings worldwide. Specific country availability depends on payment rail support, check the app for the current list.

ROSCA stands for Rotating Savings and Credit Association. It's the formal name for the tradition you may know as njangi, chama, stokvel, tanda, hui, arisan, paluwagan, sou-sou, or any of 26+ other local names.

Go to the Houses tab, tap "New house", set your contribution amount, frequency, and member rotation order. Then invite members by phone number. Each invited member must complete identity verification before joining.

Yes. The Swaps feature lets members trade positions in the rotation. Both parties negotiate and approve the swap in-app, and the house sees the full audit trail of the exchange.

Njangy sends automatic reminders, applies a configurable late fee, and notifies the coordinator. Chronic missed payments can trigger removal per house rules set by the coordinator.

A personal savings goal is just you, a target amount, a deadline, a contribution schedule. A house is a group rotating pool. You can have any number of each.

A small penalty is added to keep you on track. The penalty percentage is shown before you create the goal, and you can adjust the schedule if needed.

Loans are either approved by the members of your house (for circle-sourced loans) or by Njangy directly once you meet eligibility criteria based on your contribution history.

Circle-sourced loan rates are negotiated between you and your house. Platform loan rates are set by Njangy and depend on your contribution history and loan term. You see the rate, term, and total cost before you accept.

Targeted support is a private request to one trusted person for a specific payment. Emergency support is a public pool where anyone can contribute to an urgent need. General Life Support (GLS) is a recurring sponsorship commitment for long-term needs like tuition or medication.

Three consecutive missed payments end the sponsorship commitment. The recipient is notified and can open the request to new sponsors.

Every winner is selected using certified random.org entropy, not in-house RNG. You can verify the draw in-app and externally using the published draw receipt.

The stakes paid by entrants form the prize pool, minus a small platform commission. The winnings come from the community, not from Njangy.

PayPal, MTN Mobile Money, Orange Money, Visa, Mastercard, and Apple Pay, with more regional rails added over time.

No. Funds move directly through the payment rails listed above. Njangy coordinates the movement but never holds balances on its own books.

Identity verification via Veriff is how Njangy keeps bad actors out of circles and complies with financial regulations globally. Every member must verify before joining a house or receiving any payout.

No. Postgres row-level security ensures every query is scoped to the caller's own houses. Your circle's business is only visible to your circle.

Small registration fees for joining houses, a percentage-based commission on collections and savings, and payment processing fees. Every fee is disclosed in-app before you commit.

A 10% platform commission is deducted from the total paid out to the recipient of an emergency support pool. This is shown before anyone contributes.

Go to Profile → Account settings → Delete account. You must first complete or exit any active houses, savings goals, sponsorships, and loans. Deletion is permanent.

Email support@njangy.com with your registered email and we'll walk you through recovery. Identity re-verification via Veriff will be required.