A njangi runs on trust. But trust breaks when nobody agrees on who has paid or whose turn it is. Djangui is the njangi app that keeps everything transparent — without ever holding your money.
What is a njangi, and can an app run it?
A njangi (also spelled njanggi or njangui) is the Cameroonian rotating savings group — the same idea as a tontine. Members contribute a fixed amount each round, and one member collects the pot each time until everyone has had a turn. Djangui digitises the record-keeping, not the money.
Djangui never holds your funds. Members pay each other directly (MTN Mobile Money, Orange Money, cash or transfer), then declare the payment; the treasurer confirms it. The app keeps the ledger — who paid, how much, whose turn — while the money never passes through Djangui. This is the declarative model: an app's transparency, without handing your box to a third party.
How it works, step by step
- 1Create your njangi in Djangui — amount, frequency and turn order — in two minutes.
- 2Invite members by WhatsApp or invite code; everyone joins for free.
- 3Each round, members pay the current recipient by MTN MoMo or Orange Money.
- 4They declare the payment (amount + reference) in the app.
- 5The treasurer confirms; balances, history and the next turn update automatically.
Perfect for the diaspora
Many njangi groups now span Douala, Yaoundé, Paris, London and the US. Djangui keeps every member on the same page across borders and time zones, with automatic reminders and time-stamped proof of payment — so distance never becomes a dispute.
Why not just a WhatsApp group?
A WhatsApp group moves messages, not clarity. Screenshots get lost, turns get argued, and the treasurer chases everyone by hand. Djangui gives you a shared ledger, automatic reminders, time-stamped proof and a clear rotation order — trust you can see.
Frequently asked questions
Is a njangi the same as a tontine?
Yes. Njangi is the Cameroonian term for a rotating savings group — the same concept as a tontine or ROSCA. Djangui supports both, with MTN Mobile Money and Orange Money as common payment methods.
Does Djangui hold our njangi money?
Never. Members pay each other directly; Djangui only records and confirms contributions (the declarative model), so your money is never at risk with a third party.
Is it free to join?
Yes, free for all members. No commission is taken on contributions — only the usual mobile-money transfer fees apply.
Can diaspora members join?
Absolutely. Djangui works across borders, so members in Cameroon and abroad share the same clear ledger and reminders.