Akawo · Susu · Esusu

Your Savings Business.
Fully Digital.
Fully Yours.

Binoova gives Akawo and Susu operators a complete digital infrastructure — branded dashboards, automated collections, instant SMS, and trust scores. We stay invisible. Your business shines.

Start as an Operator See How It Works
mary-savings.binoova.com — Dashboard
₦847K
Total Collected
↑ 18% this week
94
Active Savers
↑ 6 new this month
98%
Collection Rate
↑ Excellent
Recent SaversView All →
AN
Adaeze Nwosu ★★★★★ ₦3,000 Paid
OK
Obinna Kalu ★★★★☆ ₦5,000 Paid
FE
Fatima Eze ★★★☆☆ ₦2,000 Due
CI
Chisom Ikenna ★★★★★ ₦10,000 Paid
The Problem

Running Akawo Manually
Is Breaking Your Business

Every Akawo and Susu operator in Nigeria and Liberia faces the same invisible ceiling — and most never realise until it's too late.

📓

The Notebook Problem

Your entire business — hundreds of payments, dozens of clients — lives in one notebook. A flood, a fire, a theft, or even a spilt drink destroys your records permanently.

No backup. No recovery. No recourse.
⏰

4–6 Hours Lost Every Day

Physical collection rounds. Door-to-door visits. Waiting for clients. Counting cash. Recording by hand. Reconciling at night. This is time you could spend growing your business — or with your family.

Operators lose 1,800+ hours per year
🤝

Payment Disputes With No Proof

"I already gave you the money last week." "That was marked as missed in my book." No SMS. No digital receipt. No way to prove who is right. You lose clients — or money — either way.

Disputes erode trust and repeat business
📊

Hard Ceiling at 30–50 Clients

Your capacity is limited by how many people you can physically visit and how much your memory can hold. Manual systems don't scale. More clients means more chaos, not more income.

Growth blocked by operational limits
💔

Clients Don't Take You Seriously

No website. No branded receipts. No professional SMS. Clients compare you to banks and fintechs. Without digital tools, you look informal — even if your service is excellent.

Professionalism gap loses high-value clients
💸

Cash Handling Risk

Carrying and storing large amounts of cash exposes you to theft, robbery, and loss. Every physical collection run is a security risk you don't need to take.

Cash is a liability, not just a tool
The Binoova Solution

Everything You Need to Run a Professional Digital Savings Business

One annual subscription. Your brand. Your clients. Your money. We handle the infrastructure.

01

Your Own Branded Subdomain

Get a professional business link — e.g. mary-savings.binoova.com. Share it with clients who enroll themselves and see your business every time they log in.

Live in under 48 hours
02

Automated Card Collections

Clients add their card once. The system charges automatically on the agreed schedule — daily, weekly, or monthly. No chasing. No collection visits. No missed payments hidden in a book.

Collections run while you sleep
03

SMS from Your Business Name

Every payment fires an instant SMS to your client — from your verified Sender ID. Clients see your business name, not Binoova, not a random number. Professional trust, instantly.

Your brand. Your credibility.
04

Virtual Bank Accounts per Client

Each saver gets a virtual account bearing both their name and your business name. They can pay by direct bank transfer or USSD — no smartphone required. Maximum inclusion.

Works on every phone
05

1–5 Star Consistency Ratings

Every saver earns a star rating based on payment consistency. Reliable clients build reputations. You see at a glance who to trust with bigger contributions — and who to watch.

Trust scored automatically
06

We Never Touch Your Money

Squad processes payments and remits funds directly to your bank account. Binoova only receives transaction data to update dashboards. Zero custodial risk. Zero regulatory exposure.

Non-custodial by design
Before & After

Manual vs Digital — Side by Side

See the exact difference Binoova makes in your day-to-day operations.

❌
Records in a notebook — lost or damaged forever

One bad day destroys months of business history with no backup.

VS
✅
Digital records in the cloud — always safe and accessible

Every transaction timestamped, stored, and retrievable from any device.

❌
4–6 hours daily on physical collection rounds

Your entire morning gone. Security risk. Client not home. Wasted journey.

VS
✅
30 minutes reviewing your dashboard — nothing to chase

Cards debit automatically. Money arrives in your account. You get a notification.

❌
Max 30–50 clients before operations collapse

More clients = more chaos. Your capacity ceiling is paper and memory.

VS
✅
500 clients on Basic, unlimited on Enterprise

Scale as fast as you can find clients. The system does not slow down.

❌
Payment disputes with no proof

"I paid!" "No you didn't." No record. No SMS. No way to resolve fairly.

VS
✅
Instant SMS confirmation on every payment

Client and operator both see the same immutable ledger. Disputes eliminated.

❌
No brand — you look informal to new clients

Prospective high-value savers choose operators who look professional and credible.

VS
✅
Your branded subdomain, SMS ID & professional receipts

Clients see your business name on every touchpoint. You win their trust immediately.

The Process

From Sign-Up to First Collection in 48 Hours

Five clear steps. One clear outcome: a professional digital savings business.

1

Subscribe & Complete Squad KYC

Choose your plan and pay the annual fee. Complete the one-time Squad KYC (BVN, government ID, bank details). Within 48 hours, your Merchant API key is activated, your subdomain is live, and your SMS Sender ID is registered.

48 hrs One-time process BVN + ID required
2

Share Your Link — Clients Enroll Themselves

Send your branded Binoova link via WhatsApp or SMS. Clients visit your page, set their saving amount and frequency, and add a debit card. They can also pay via USSD or direct bank transfer if they prefer not to use a card.

Card, USSD, Bank Transfer Self-enrollment
3

Collections Run Automatically

On each agreed date, Squad debits the client's card and sends the money directly to your bank account. A confirmation SMS fires to the client from your business name. Your dashboard updates in real time. You do nothing.

Non-custodial Instant SMS Missed payment alerts
4

Dashboards Update — Both Sides See Everything

Your operator dashboard shows total collections, per-client breakdowns, and upcoming payments. Your client's dashboard shows their balance, contribution history, and consistency rating. Transparent on both sides — zero disputes.

Real-time analytics Web & mobile
5

Ratings Build Trust — Your Business Grows

Reliable savers build 1–5 star consistency ratings. You see who to trust with larger amounts. Your growing digital reputation attracts more clients. Your Akawo business compounds — not just in revenue, but in professional credibility.

Trust scores Business growth

Everything Included in Your Subscription

One annual fee. Complete infrastructure. No surprises.

🌐
Branded Subdomain & Business Page

Your named URL, professional landing page, and enrollment form — all branded to your business.

📱
Web & Mobile Dashboards

Full-featured operator admin dashboard plus client-facing app — on any device, anywhere.

⚡
Automated Recurring Collections

Daily, weekly, or monthly auto-debit via debit card. Set once, runs forever until the target is reached.

💬
Verified SMS Sender ID

Every payment fires an SMS from your business name. Clients see you — not a generic shortcode.

🏦
Named Virtual Bank Accounts

Each saver gets a virtual account combining their name and your business name for direct bank transfers.

⭐
1–5 Star Consistency Ratings

Savers build a rating with every payment. You see who is reliable. They see their own score improve.

🔔
Automated Reminders & Alerts

Missed payment alerts go to clients automatically. You are notified. No chasing required from you.

📲
USSD Support — No Smartphone Needed

Clients on basic phones pay via USSD or direct bank transfer. No one is excluded from your savings group.

🔒
Non-Custodial Money Flow

All funds remit directly to your bank via Squad. Binoova never holds a single naira. Zero custodial risk.

Real Operators

From the People Who Run Akawo

Operators across West Africa who digitised with Binoova — in their own words.

★★★★★
"

Before Binoova, I managed 30 clients maximum and spent my whole morning chasing payments. Now I have 94 clients and the system sends them SMS automatically from my name. No more arguments about who paid what.

Nneoma
Nneoma Chukwu
Akawo Operator, Port Harcourt — 94 active savers
★★★★★
"

I have been collecting Susu for 15 years with paper books. Binoova gave me my own website and my own SMS name. My clients trust me more now because they get a receipt from my business name every single time.

Fatmata
Fatmata Bangura
Susu Collector, Monrovia, Liberia
★★★★★
"

My notebook was stolen in 2022. I lost ₦340,000 in unrecorded payments and almost lost my entire business. Never again. With Binoova everything is digital and safe. Even if my phone is gone, the records are not.

Chukwuemeka
Chukwuemeka Onyia
Esusu Operator, Aba
Pricing

Simple, Transparent Pricing

One annual subscription. No per-transaction fees from Binoova. No hidden costs.

Basic
₦30,000/yr

For individual operators starting their digital journey.

  • Up to 500 active savers
  • Branded subdomain
  • Web & mobile dashboards
  • Automated collections via Squad
  • Named virtual bank accounts
  • SMS confirmations (units purchased separately)
  • 1–5 star saver ratings
Get Started
Most Popular
Enterprise
₦100,000/yr

For established operators with 500+ clients and growth ambitions.

  • Unlimited savers
  • Everything in Basic
  • Dedicated account manager
  • Priority onboarding support
  • Advanced business analytics
  • Team sub-accounts
  • Auto-upgrade from Basic
Get Started
Liberia
$50–$100/yr

Same plans available in USD for Liberia-based Susu operators.

  • $50/yr — Basic (up to 500)
  • $100/yr — Enterprise (unlimited)
  • All features included
  • Susu / Kuu operator support
  • Local onboarding assistance
  • SMS confirmations available
  • Non-custodial model
Get Started

 SMS units are purchased separately and topped up as needed. All subscriptions paid annually upfront.

Ready to Build a Digital Akawo Business?

Your clients. Your money. Your brand. Binoova powers the infrastructure silently from behind. Sign up today and be live within 48 hours.

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