Tontine Bénin TONTINE benin

We’re digitizing tontines in Benin. Today, more than 60% of Beninese people save in tontines, but 90% work in the informal sector and only 0.3% have access to bank credit: cash circulates without security, and savings leave no valuable proof. Our hybrid platform – mobile application, USSD and field collectors – secures each contribution via Mobile Money (MTN/Moov) and transforms regular savings into an automatic credit score. This score opens up access to micro-credit and microfinance institutions (PADMÉ, CLCAM), even for customers without a smartphone. Why we have potential: Mobile Money is already adopted (89% penetration, 11.1 million subscribers), tontines are universal and MFIs are looking for reliable customers. We’re the only company to connect these three realities. Our product is already up and running (MVP delivered), with a start-up in Parakou and national ambitions.