A Stable Economy Starts with Strong Communities.
GCOFEE is a digital operating system for community finance. Create your group, bring your community together, and manage everything you need — from contributions and borrowing to decisions, records and accountability — transparently in one trusted place.
- RuleLoans up to 3× savings, 2 officer approvalsv4
- AuthorityTreasurer and Chairman approve2 / 2
- ActionTreasurer pays out by M-Pesa300,000
- LedgerMember loan up · group wallet downTX-4F2A-000118
- AuditWho, when, under which rule and votesealed
Who it's for
Groups that pool money and make decisions together. Pick your type and start with rules that already work — then adjust the numbers.
The problem it solves
Notebooks get lost or disputed
Balances live in one person's book. When numbers don't add up, nobody can prove what happened.
Rules live in people's memory
Who may approve a loan? What's the late penalty? Here the rules are written down, versioned and applied the same way every time.
Trust depends on one person
Money moves only with the approvals your rules require — never by the person who asked for it — and every step is recorded.
How it works
- Create the groupChoose a group type. You become its first Chairman.
- Invite membersSend invitation links and appoint a Treasurer and Secretary.
- Contribute and borrowMembers pay as usual — cash, bank or mobile money — and the Treasurer confirms it.
- Decide togetherElections, loans and rule changes are voted on in the app.
GCOFEE keeps the records. Your money stays where your group keeps it.
Getting started
Free for groups of up to 30 members, with the full ledger, rules, voting and audit trail. Larger groups can upgrade.
Start your group today
Questions? Email us at support@gcofee.com