weaving communities together.
Every shilling, on record. duara is the governance and record-keeping layer for chamas and savings groups — it doesn't hold your money, it holds you to your own rules.
see how it worksAnd that's how we grow. Together.
Stop switching between apps to record and chat. duara brings financial actions directly into your group chat — record transactions, vote on loans, approve payouts, all without leaving the conversation.
Write your group's constitution once. Set contribution amounts, meeting schedules, and penalty logic that flags fines automatically — no more awkward conversations about late fees.
automate rule enforcement
"Escalating fines mean repeat offenders face higher penalties while honest mistakes stay forgiving. We stopped arguing about late fees the first week."
Member Roles
Define Treasurers, Secretaries, and Members with specific approval permissions. Everyone knows their lane.
Meeting Protocols
Attendance tracking and minute generation from group meetings — accountability on autopilot.
Voting Logic
Change rules, issue loans, or forgive a fine through democratic vote. Transparent. Recorded. Final.
Pick the model that fits your group — or combine all three. duara adapts to how you already work.
Savings Pool
Collect funds for a shared goal — land, a wedding, an emergency fund. Your group sets its own rules for how and when the pool pays out.
Table Banking
Contribute and borrow immediately — your group sets its own interest rate on loans, and it flows straight back into the pool.
Merry-Go-Round
The classic ROSCA — each member takes a turn receiving the full payout. Automated scheduling, zero confusion.
From first invite to first tamper-proof record, in four steps.
01
Create your group & write your constitution
Set contribution amounts, meeting schedules, and rules that match how your group actually works.
02
Invite your members
Everyone joins with one link. No paperwork, no bank visit, no waiting.
03
Record contributions & votes, right in chat
Financial actions happen where your group already talks — not in a separate app.
04
Generate tamper-proof documents
Every vote, payout, and contribution becomes part of a permanent, cryptographically hashed record.
duara never holds, moves, or has access to your group's money. It's not a bank, a SACCO, or a payment provider — contributions, loans, and withdrawals happen directly between members, using whatever payment method your group already uses (M-Pesa, bank transfer, cash). duara only records that it happened.
Core group coordination — chat, pool management, loan tracking, constitution tools, and fines — is free with no time limit. duara Records, an optional paid add-on for exporting your group's verifiable financial history, is the only paid feature.
Yes — duara syncs your group's records in real time, so you'll need a connection to send or receive updates. It's built to work well on the kind of intermittent mobile data most groups actually have.
duara gives your group a structured dispute process and a shared record to point to, but it doesn't mediate or take sides — disagreements are resolved by your group, according to your own constitution.
Your financial and governance data is visible only to your group's members, role-based access controls limit who can see what, and duara never sells your data.
Free to start. Set up your group's constitution in minutes.
Free to start · No credit card required