Questions, answered
Frequently asked questions
Everything members and organizers ask us before their first cycle.
Susu is a rotating savings and credit arrangement practiced across Ghana and much of
West Africa: a group of people agree to contribute a fixed amount on a regular schedule,
and each cycle, one member receives the entire pot. Over the life of the group, every
member gets their turn. ntoboa doesn't change that tradition — it just removes the
manual coordination and trust gaps around it.
Creating an account, creating a group, and joining a group are all free. The only
optional cost is a commission an organizer may choose to charge on each cycle's
payout — and that's capped at 15% of the pot, disclosed to members before they join.
MTN Mobile Money, Telecel Cash (formerly Vodafone Cash), and AirtelTigo Money are all
supported for wallet top-ups. Pick your network when you top up and approve the
payment prompt on your phone — the charge is processed through a real mobile money
payment provider.
Your position in the rotation is assigned the moment you join a group, in join order.
Once every rotation slot is filled the group activates, and the order is locked in —
there's no renegotiating or "who gets to go first" arguments once the circle starts.
A payout only fires once every rotation member has contributed for that cycle and
the cycle's scheduled payout time has arrived. If a member hasn't contributed yet, the
cycle simply stays open — everyone in the group can see exactly who's still pending,
so there's no ambiguity about why a payout is delayed.
Every top-up, contribution, payout, and commission is written to an append-only ledger —
nothing is ever edited or deleted after the fact. Your wallet balance is always derived
from that ledger, not stored as a number someone could quietly change. Every mutating
request is also idempotent, so a network hiccup or an accidental double-tap can never
double-charge or double-credit you.
Yes. When creating a group, an organizer can choose to also take part in the rotation,
to run the group without contributing (organizer-only), or both. If an organizer does
take a rotation slot, they never charge themselves a commission on their own payout —
that's waived automatically.
Always. Every group discloses upfront whether a management fee exists before you join.
Organizers can choose to show the exact rate publicly, or keep the specific rate private
to members while still disclosing that a fee applies — but the 15% cap is enforced either way.
ntoboa installs like a native app on your phone's home screen. Once installed, your
most recent wallet balance and group history stay available to view offline — though
contributing, topping up, or joining a group always requires a live connection, since
those actions move real money.
You'll get an SMS, an email, and a push notification for the moments that matter most —
a top-up landing, a contribution going through, or a payout arriving. A live activity
feed inside each group also shows everything as it happens, in real time.
Since a rotation only works if every slot is filled and every member contributes each
cycle, membership is a commitment for the life of the group once the rotation is locked
in — the same as agreeing to a susu with your community in person. Talk to your organizer
before joining if you're unsure about the schedule.
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