Your money. Your circle's business.
Safe at every layer.
Community finance only works if the infrastructure around it is honest. Here's exactly what we do at every layer, identity, data, transactions, payment, to make sure it stays that way.
Every member,
identity-verified.
The strongest ROSCA has always been one where everyone knows everyone. Njangy keeps that, at global scale, by verifying the identity of every member before they can join a house, contribute to a sponsorship, or receive a payout.
We use Veriff, the same identity platform trusted by regulated banks, brokerages, and governments worldwide. No shortcuts, no self-declared identity, no synthetic profiles.
- ✓Government ID scan with document authenticity checks
- ✓Selfie + liveness verification, no photo spoofing
- ✓Real-time sanctions and PEP screening
- ✓Cross-check against the name on your linked payment method
- ✓Audit trail of the verification, retained per regulation
Bank-grade encryption
All data encrypted in transit (TLS 1.3) and at rest (AES-256). Your balances, contributions, and messages are unreadable to anyone but you.
KYC identity verification
Every member is identity-verified before joining a house or sponsoring support, the same standards you'd expect from any regulated financial platform.
Every transaction, audited
Every credit and debit flows through a tamper-evident transactions ledger with per-action triggers. No off-ledger balance changes, ever.
Row-level data isolation
Postgres row-level security ensures members of one house can never see another's data, even if they share a server. Your circle's business stays your circle's.
Trusted payment rails
Money moves through the world's most trusted payment networks, PayPal, MTN Mobile Money, Orange Money, Visa, Mastercard, Apple Pay, never through Njangy directly.
SOC 2-ready practices
Access controls, audit logging, incident response, vendor reviews, and backups, all running to SOC 2 Type II standards. Independent certification in progress.
Found a vulnerability? Tell us first.
We operate a coordinated disclosure program. Report anything you find and we'll acknowledge it within 48 hours, keep you updated as we investigate, and credit you publicly if you'd like. Acting in good faith under our disclosure terms, we won't pursue legal action.
security@njangy.com48-hour acknowledgment · PGP key on request · bug-bounty program terms available on request