Xodus
Built for the way our communities already save.
Across Africa and the diaspora, people have been pooling money in circles for generations — njangi in Cameroon, tontine across Francophone Africa, susu in Ghana, stokvel in South Africa, sou-sou in the Caribbean. The practice works. The problem has always been the paperwork — the notebooks, the WhatsApp arguments, the missed payments nobody wants to confront. Xodus Vault was built to solve that. One platform, any currency, full transparency, no drama.
Xodus Vault is a ledger, not a bank. It records every contribution, shows who has paid and whose turn is next, and keeps a history every member can see. It does not hold your money — contributions go to your group treasurer or admin, by card or by Mobile Money, and the treasurer sends the pot on payout day and logs it here.
What Xodus Vault does.
Xodus Vault gives every savings circle a shared digital ledger. Members see who paid, who is late, and whose turn is next — without anyone having to chase anyone. Contributions are tracked automatically. Payments come in via Mobile Money or card. And every member, no matter where in the world they are, sees the same information at the same time.
Who built it.
Xodus Vault is a product of Valeir Holdings, SARL — building financial infrastructure for African communities at home and in the diaspora.