hyperV

The problem. Informal savings in Ghana run on susu collectors: a person who moves door to door collecting small contributions and holds the pot. It is deeply trusted, but it is physical cash (easy to lose or misappropriate), it has no records, and the digital alternatives assume a smartphone and data that most savers do not have. SusuLink. SusuLink is that susu collector, rebuilt as software you reach over USSD. It works on any phone. A member dials *919*4006#, joins or creates a savings group, and deposits whatever they can afford straight from their Mobile Money wallet. There is no fixed contribution: GHS 5 today, GHS 50 next week, whatever they have. Every deposit is locked until the cycle the group chose, which can be daily, weekly, monthly, or a custom number of days (for example 20 days to save toward a specific event). When the cycle matures, each member cashes out their own balance back to Mobile Money and keeps almost all of it. Every deposit and payout is confirmed by SMS. Trust by design. SusuLink follows the collector model: what you contribute is what you get back, to your own number. Only you can withdraw your own savings. The person who created the group sets the schedule but can never move another member's money. That guarantee is the whole pitch for people who have been burned by cash going missing. Built on Moolre. One integration handles the entire savings loop, which is what lets SusuLink run on a basic feature phone with no internet.