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Your Ekub, in the open.

Who paid, who receives next, and when. One shared record for the admin and every member.

See how it worksAndroid app, in pilot

Ekub records money. It never holds it.

18:04
Bole Office Ekub
Round 4 of 12 · due Fri 6 Nov
Collected
19,000 ETB
of 24,000 ETB · only confirmed money counts
9 confirmed · 1 partial · 1 submitted · 1 due
ST
Selam T. receives 24,000 ETB
Random draw · Payout not ready
YG
Yonas Girma
1,000 ETB left
Partial
MA
Meron Abebe
Being confirmed
Submitted
BH
Biruk Haile
2,000 ETB
Due
HA
Hirut Alemu
Confirmed
DM
Dawit Mengistu
Confirmed
Record contribution
Every change on recordWho did what, and when.
Check your own statusIn the app, or from the WhatsApp link.
Works offlineSyncs when you’re back online.

How a round works

  1. 1

    Agree the rules

    Amount, schedule and how the recipient is chosen. Versioned, so nobody changes them quietly.

  2. 2

    Join the group

    Members join with an invite code. Anyone without the app is added offline.

  3. 3

    Record each payment

    With a receipt or reference. Everyone sees what is confirmed.

  4. 4

    Choose the recipient

    Fixed order, random draw or agreed order, in view of the whole group.

  5. 5

    Close the payout

    The recipient confirms receipt, and the next round opens.

Rules that protect trust

Fewer arguments about who paid and who is next.

  • No silent edits

    A correction reverses the old entry and records the new one. Both stay visible.

  • Submitted is not Confirmed

    Only payments the admin or co-admin has checked count towards the pot.

  • Payout says why

    If the pot isn't ready, Ekub names who is missing.

  • Two people for risky changes

    Changes to the draw or a payout need the co-admin's approval.

Payout not ready
Round 4 · Selam T. receives 24,000 ETB
Yonas G.1,000 ETB still owed
Meron A.Submitted, not confirmed
Biruk H.2,000 ETB due
Record payout

Opens when all are confirmed, or the co-admin approves an exception.

Bole Office Ekub · Round 4 of 12

Collected: 19,000 of 24,000 ETB

Paid: 9 of 12 members

Still open: Yonas G. (1,000 ETB left), Meron A. (being confirmed), Biruk H.

Recipient: Selam T. (random draw)

Due: Fri 6 Nov

Details: ekub.nivaro.me/m/…

18:04

Updates where your group already talks

Two taps, and the round is in the WhatsApp group.

  • One clear message. Collected, still owed, recipient, due date.
  • A status link. Members check the round without asking.
  • SMS reminders. Each member sees only their own amount.
  • Private. No phone numbers or payment references.

What Ekub is not

Ekub keeps the record. The money stays with you.

Not a wallet

It doesn’t hold, move or guarantee money.

Not a lender

No loans, no credit score.

Not a marketplace

Private groups only. No strangers.

Questions

Does Ekub hold our money?

No. Members pay the way they do today, and Ekub records it.

Does every member need the app?

No. Members can use the app to see their own status, or open the group's status link from WhatsApp. The admin records payments for anyone offline.

What if a payment is recorded wrongly?

It is corrected, not erased. The old entry is reversed with a reason, and both stay in the history.

How is the recipient chosen?

By the method the group agreed: fixed order, random draw or agreed order. Draws run on Ekub's server, which records the time.

Who can see phone numbers?

Only the admin and co-admins. They never appear in updates or on the status page.

Which phones does it work on?

Android phones, including low-cost ones, with an Ethiopian (+251) number. English for now.

Can I close my account?

Yes, in the app under Profile → Close account, or on the web.

One record. The same numbers for everyone.

The Android app is in pilot.