TSOSA MOTSE
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Botswana • Community wealth platform
Build Together, Grow Together
Tsosa Motse brings the trust of metshelo savings groups onto one transparent, shared ledger — with group-run credit, investing and cover through licensed partners, and an AI coach that speaks your language.
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Production pilot · Real shared ledger · A coordination tool, not a bank — it never holds your money
P0
Held by Tsosa Motse
100%
Group-owned records
3 roles
Can create investment avenues
1 ledger
Shared with every member
One platform, five modules
Everything a savings group needs
Savings, group-run credit, investment and insurance via licensed partners, and an AI coach — one transparent ledger for the whole group.
Smart Savings Ledger
One transparent, multi-signature record for the group, with ring-fenced sub-accounts for school fees, funerals, and projects.
Group-Run Credit
The group lends from its own pooled savings, guided by a social-capital score — Tsosa Motse keeps the records, not the cash.
AI Financial Coach
Plain-language guidance in Setswana and English, available any time, on any phone.
Investment Avenue Planning
Group officers record proposals for member review before any approval or licensed-provider placement.
Parametric Insurance
Group cover for drought, illness, and funeral expenses, underwritten by licensed insurers.
Works on any phone
Full USSD fallback (*167#) so members without smartphones are never left behind.
How it works
From metshelo to managed capital
The same trust that powers rotating savings — now with transparency, shared records, and group-run credit.
1
Form or join a group
Bring your metshelo, SACCO, or union branch onto one transparent ledger.
2
Contribute monthly
Members pay into the group's own account via mobile money or USSD. Tsosa Motse records every pula.
3
Stay transparent
Balances, payouts, and goals live on one shared ledger every member can see and approve.
4
Borrow from the group
The group lends from its own pool on terms it sets, guided by a fair social-capital score.
Built for trust and transparency
Tsosa Motse is a record-keeping and coordination tool — it never holds your money or takes deposits. Funds stay in your group's own account, multi-signature approvals keep every decision transparent, and credit, investing, and cover are delivered through licensed partners.
Non-custodial
Multi-signature
Licensed partners
Data sovereignty
See Tsosa Motse in action
Sign in to use the real group ledger and create group-owned investment proposals.
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TSOSA MOTSE
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