Tontines, mutual societies, associations
No one disputes your association's register anymore.
Whether in the meeting room or on the other side of the world, every member sees what they have paid, what they owe and what is due to them. The committee runs the meetings; ARYA keeps a record that nothing can erase.
Setup and transfer of your balances included. Your first two meetings are assisted, free of charge.
Member of an association that uses ARYA? Install the app, then enter the code your committee sent you by SMS.
The problem
The notebook, the WhatsApp group and the Excel file hold up… until the first dispute.
“Who paid what?”
One omission in the notebook, one line deleted in the file, and the meeting is spent redoing the accounts.
The treasurer under suspicion
Even when honest, whoever keeps the cash box alone ends up having to justify themselves. No one can check without them.
Members abroad left in the dark
They contribute from afar without knowing where they stand, wait for answers, and end up giving up.
What ARYA guarantees
Trust, in black and white.
Tontines, loans, penalties and reports are the means. What your association gets is a register no one needs to dispute.
Nothing is erased
A mistake is corrected by a reversing entry, with a reason, in plain sight. The history stays whole, meeting after meeting.
Every member sees where they stand
On their phone: what they have paid, what they owe, their loans, their place in the tontine. Without asking the treasurer.
Remotely as in the room
The member in Paris or Montreal declares their payment, follows the meeting live, bids and votes from their phone.
Verifiable reports
Every meeting is sealed and produces its PDF report, overall and per member. A QR code proves it has not been altered.
A committee with clear rights
Each post has its holder and deputy; important decisions go through the approvers the president appoints.
Your money stays with you
ARYA collects nothing. Cash, Mobile Money or bank: it records what moves, and the association keeps its funds.
The funds
Six funds for all of the association's money.
Tontine, savings, solidarity, projects: each fund has its role and its rules.
The tontine
Everyone pays the same amount, everyone receives the pot in turn: fixed order, draw or auction.
Savings
Members put aside what they want. The money is lent to members, and the interest is shared.
The social fund
All together for a bereavement, a birth, a wedding, or a recurring expense.
The investment project
Members finance one member's project and share the profit.
The insurance fund
A personal reserve that guarantees each member's commitments.
The central reserve
The association's own money: penalties, commissions, income, and its expenses.
Each fund explained with a worked example, on the ARYA website →
In pictures
Designed for the meeting, and for those who are not there.
Getting started
Up and running in one meeting.
1
A demonstration
We come and show you ARYA using your association's rules: your tontines, your penalties, your funds.
2
Setup and transfer
We import your members and carry over your balances as they stand. No need to wait for your cycles to end.
3
Two assisted meetings
We run your first two meetings alongside you, free of charge. Then you carry on by yourselves, with our support.
Price
A simple flat rate, paid by the association.
The price follows the number of active members, never the amounts you record: you have no reason to keep a tontine out of the register.
500 FCFA
per active member per month, minimum 10,000 FCFA per month
- App for all members, unlimited
- Setup and balance transfer included
- First two meetings assisted, free of charge
- One month free when you refer another association
Outside sub-Saharan Africa: €2 per member, minimum €40
Demo
Let's see ARYA with your association.
Tell us your association's name, its city and the number of members: we will get back to you to arrange a demonstration.
All about ARYA at arya.orbit-tech.net, or by email: arya@orbit-tech.net