How JuliSmart Susu Works
The traditional Susu system, modernized for the digital age. Simple, secure, and accessible to everyone.
1. Sign Up
Create your account with just your phone number. Verification takes under a minute. No paperwork, no bank account needed.
2. Join a Group
Browse available susu groups by size, daily amount, and duration. Pick one that fits your budget, or create your own group and invite friends.
3. Contribute Daily
Make your daily contribution via Mobile Money (MTN, Vodafone, or AirtelTigo). You'll get a reminder each day so you never miss a payment.
4. Receive Your Payout
When your turn comes, you receive the entire pool for that cycle directly into your MoMo wallet. Every member gets a turn - it's fair and guaranteed.
Why Susu?
Trustworthy
Built on the centuries-old Susu tradition, now with digital guarantees
Disciplined Savings
Group accountability keeps you on track with your savings goals
Lump Sum Access
Get a large payout for business, emergencies, or investments
Common Questions
Is my money safe?
Absolutely. All transactions are encrypted and tracked. Smart contracts ensure payouts happen automatically and on time.
What if someone doesn't pay?
We have a grace period system with late fees. Persistent defaulters are removed and the group continues.
How are turns decided?
Turns are assigned when you join. Admins can also reorder based on group agreement.
Can I be in multiple groups?
Yes! Many of our members participate in 2-3 groups at different contribution levels.