01 · Fixed contribution
December Trip
12 people × ₦50,000Known members, a clear expectation per person, partial-payment support and a deadline everyone can understand.
December Trip₦420,000 of ₦600,0008 paid · 2 partly paid · 2 outstanding
Zuka Groups · In development
Money for somethingyou’re doing together.
Set what you’re collecting for, agree how it should work, invite the people involved, and let Zuka keep track of the money and what happens next.
Talk to the Zuka teamGroups is in development and is not generally available yet. The examples on this page show the planned product model and do not represent live pooled custody or a native WhatsApp group-chat bot.
Group purposeDecember Trip
10 December12 people₦50,000 each
Collected₦420,000of ₦600,000
- Paid
- 8
- Partly paid
- 2
- Outstanding
- 2
Still to go₦180,000 left
Shared money gets messy quickly
The collection isn’t the hard part.Keeping everyone clear is.
It often starts simply“Everyone send ₦50k.”
- 01
Someone pays ₦20,000 first.
- 02
Someone says they paid from another account.
- 03
The deadline moves and not everyone sees it.
- 04
People keep asking who is still outstanding.
- 05
Someone asks where the money is meant to go.
- 06
The plan changes and the group needs a clear next step.
Zuka Groups is designed around one shared financial state that stays understandable as the real world changes around it.
Rules before money
Agree how it works before anyone pays.
Discussion can happen naturally, but the agreed money rules should not disappear into chat history. Zuka keeps the reviewed Group agreement clear enough for everyone to understand what they are contributing toward and what is meant to happen next.
The agreement doesn’t disappear into chat history.
The example describes Group state, not a custody promise. Exact destination, release and refund behaviour follows the approved production and provider design.
Reviewed Group rulesDecember Trip
Agreed- Contribution
- ₦50,000 each
- Members
- 12
- Partial payments
- Allowed
- Due
- 10 December
- When complete
- Move to the agreed destination or outcome
- If cancelled
- Apply the agreed refund rule
Shared clarityEveryone can see what the contribution is for and the intended outcome.
One Group, changing state
From “we should do this” to a clear outcome.
The same Group Purpose moves forward as people join, contribute and handle what still needs attention. Zuka keeps the agreed state understandable instead of turning the journey into five disconnected features.
Set it up
Agree what you are doing and how it should work.
Purpose, people, contribution expectations and the important rules are clear before money starts moving.
December Trip12 people · ₦50,000 each · Due 10 DecemberBring people in
Share the Group with the people involved.
An invitation takes each person to the actual Group entry experience, not back through the marketing page.
December Trip8 joined · 4 invitations openKeep progress clear
Everyone handles their part at their own pace.
Full and partial contributions can be reflected according to the Group rules without losing sight of what is still expected.
December Trip₦420,000 collected · ₦180,000 leftKeep attention visible
Anything unresolved stays visible.
Outstanding, failed, changed or time-sensitive states get the right next action instead of disappearing into chat history.
December Trip2 partly paid · 2 outstanding · deadline approachingNeeds attention2 people still outstandingReach the outcome
The Group moves when the agreed condition is reached.
What happens next follows the reviewed Group rules and the approved production journey for that purpose.
December TripReady for the agreed destination or outcomeCondition reached
Ways to use Groups
Different reasons.Same clarity.
Groups is not one mechanic. The beta model is broad enough for fixed contributions, flexible targets and an agreed group purchase without turning any one use case into the whole product.
02 · Flexible target
Mum's Birthday
Raise ₦300,000People can contribute different amounts while permitted Group progress and the intended beneficiary stay clear.
Mum's Birthday₦216,000 of ₦300,000Private · invite-based
03 · Group purchase
Bulk Rice Buy
20 people × ₦35,000Everyone can see when enough people have joined, what has been paid, and whether the agreed purchase is ready to proceed.
Bulk Rice Buy₦560,000 of ₦700,000 ready16 complete · 2 joined · 2 places remaining
Visibility & trust
Clear for the group.Personal where it should be.
Shared money needs enough visibility to build confidence without turning participation into public financial exposure. What each person sees should follow identity, role and the Group rules.
See the purpose and permitted progress.
Members should be able to understand what the Group is for, what they are expected to do, and the shared state the Rules allow them to see.
Keep personal information personal.
A Group does not make every payment detail, identity attribute or account detail visible to everyone involved.
More responsibility does not mean unlimited control.
Organiser actions remain bounded by the accepted Group rules and the approved production journey rather than an implied right to move pooled money freely.
Shared Group stateDecember Trip · 70% collected · 2 outstanding
Personal detailOnly shown where the participant and Rules permit it
Zuka Groups · In development
Doing something together?Keep the money clear.
Agree what everyone needs to do, keep progress visible, and let unresolved money states stay visible until the Group reaches its intended outcome.
Talk to the Zuka team