Save, lend and hold money — automatically.

GoalGrow

Save automatically and watch your goal appear.

1. 1

   Upload the picture of your goal

   A laptop, land, school fees, a trip — its picture starts hidden under a grid of tiles.

2. 2

   Choose your amount and rhythm

   Pick how much moves from your mobile money wallet — daily, weekly or monthly. Each tile is one debit.

3. 3

   Approve once on your phone

   Confirm the prompt with your PIN and the debits run automatically. Pause or cancel whenever you need to.

4. 4

   Watch the picture appear

   Every successful debit lifts a tile. When the last tile lifts, your goal is funded.

GoalCollect

Lend to a friend and get paid back automatically.

1. 1

   Enter your friend's details

   Add the borrower's name, phone number and network, the amount, and how many instalments — daily, weekly or monthly.

2. 2

   Fund the loan from your wallet

   Approve the prompt to send the loan amount (plus a small fee). The money is held safely until the borrower agrees.

3. 3

   Borrower approves repayment

   Your friend gets a text and a prompt for a GHS 0.50 processing fee. Approving it sets up automatic repayments on the agreed dates.

4. 4

   Loan is sent, repayments run

   Once repayment is set, the loan goes to your friend's wallet and both of you get a text. Each repayment lifts a tile until it's fully paid.

If the borrower never approves, cancel the loan for a refund of the amount you lent. You can also forgive a debt at any time.

GoalLock

Hold money safely until both sides agree.

1. 1

   Set the deal

   Add the other person's phone number (or pay back to yourself), the amount and optional terms.

2. 2

   Both agree, then the payer funds it

   Nothing is taken until both people accept. The money is then held, not with either side.

3. 3

   Release or refund together

   Both confirm with their PIN to release the money to the receiver or refund the payer.

Circles

Build a pot together, lend at agreed rate, auto-debit repays the loan.

1. 1

   Start or join a circle

   Choose Motivation (save side by side), Shared (one pot towards a joint target) or Investment (a pot that lends to members). Invite people with a link; everyone gets a message when someone joins.

2. 2

   Fund the pot

   Members pay into the circle pot from their mobile money wallet. You can keep contributing even after the target is reached. Members are listed by how much they have put in.

3. 3

   Borrow and vote (Investment circles)

   A member taps Borrow from pot. Only members who have funded the pot can vote. Once approved, the loan goes to the borrower's wallet and repayment is taken automatically on the agreed date.

4. 4

   Repay, leave or disband

   Borrowers can pay off early in full, interest included. A member without an open loan can leave an Investment circle with their contribution plus their share of interest from fully repaid loans, approved with their MG PIN.

Circle boards show progress, tiles and streaks, never other members' cedi amounts. Every circle payout needs the member's MG PIN.