Your questions, answered

Accquan is a savings community for young people. Members join an Annual Njangi, save a small amount every day for the year, see who in their group has saved each day, and at the end of the year receive their savings together. Members can also decide together to put their savings towards real assets, such as shares or land.

No. Accquan is a community, not a bank, a microfinance institution or an investment fund. We don't lend money, we don't pay interest and we never promise returns.

Accquan is an initiative of GoGreen Technologies (opens in a new tab), a youth empowerment non-profit based in Buea, Cameroon.

A njangi is the savings group our parents and grandparents have trusted for generations: people save together and hold each other to it. Accquan keeps that idea and adds a clear plan: save every day for a year, then own something real.

While Accquan is a young community, savings are held by GoGreen Technologies (opens in a new tab) on behalf of members, in a dedicated account, only for the purpose members are told about. They are not lent out or used for anything else. Our plan is to move this into a cooperative owned by its members as we grow.

No. Accquan doesn't invest your money for you. At the end of the year, members decide together what to do with their savings, for example buying shares or land as a group. Only members who agree take part.

No. Your savings are what you put in. We don't pay interest and we don't promise any profit. If members later choose to buy an asset together, that asset can go up or down in value.

Through the small daily fee on each payment, which covers payment costs and running the community. Late fees go to the community fund. There is no charge to create an account or to ask to join.

Anyone aged 18 or over who agrees to our rules. Accquan is built for young people, but you don't need to be a student or have a job to join.

An email address you can open, a password, your full name and your phone number. After signing up, open the email we send you and confirm your address.

So we can reach you if there is a problem with your savings, and later for mobile money payments and payouts. We never share it with other members.

It proves the email belongs to you, so we can send you important messages and help you if you forget your password. You need a confirmed email before you can ask to join an Annual Njangi.

It is a short form in the app, about 5 minutes, that you fill in once per account before your first request to join. It collects a few details about you, someone close to you, a photo of your ID and a selfie, so we can confirm who you are, and you agree to the Member Terms there. After that you can join other Annual Njangis without sending anything again.

To make sure every member is a real person and to protect the community from fake accounts and fraud. Your ID is kept private and is never shown to other members.

Log in, choose an Annual Njangi from the list, read the summary, tick that you commit to save every day, and send your request. An admin checks it and you get an email when you are approved or not.

An admin reviews every request as soon as possible. You will get an email as soon as a decision is made.

Yes, for example if we cannot confirm who you are or if the Annual Njangi is full. If you are declined, you can ask again or choose another Annual Njangi.

Yes. You can join several, as long as you can keep up with each one every day.

Yes, while an Annual Njangi is open. Your saving starts on the day you are approved and runs until that Njangi's closing day.

Some Annual Njangis have a member limit, shown on the Njangi. When it is full, you can choose another one.

It depends on the Annual Njangi you choose, for example 500, 1,000 or 2,000 FCFA a day. The amount, the daily fee and the late fee are all shown before you join.

With MTN Mobile Money or Orange Money. Paying directly in the app is coming soon. Until then, the team will tell you how to pay when you are approved.

Yes. You can pay for today or for many days ahead in one payment. Each paid day shows as saved on its own day.

Days are always paid in a row, so your savings stay complete and nothing is forgotten. When you pick a later day, every day before it is included.

Each day ends at midnight, Cameroon time. Paying earlier in the day puts your name on the "saved today" list sooner.

Not inside the same Annual Njangi, because everyone in it saves the same amount for the year. You can join another Annual Njangi with a different amount.

Members of your Annual Njangi see your name on the list of people who have saved today. They never see your email, phone number or ID.

In the app, on your calendar: every paid day, every missed day and your total saved so far.

Two, both shown before you pay: a small daily fee on top of each day's saving, and a late fee if you pay a missed day later. Creating an account and asking to join are free.

It covers the cost of processing payments and running, administering and growing Accquan. It is never taken out of your saving.

To the Accquan community fund, which helps run the community. They are never added to anyone's personal savings.

No. Daily fees and late fees are not part of your savings and are not refunded.

It may charge its own fees. We will show any such charge before you pay.

The day shows as missed on your calendar. You can pay it later with the Njangi's late fee, for example 500 + 25 + 50 = 575 FCFA.

Open "Pay my Njangi", tap the missed days you want to pay (or "Select all") and pay them together with any days ahead.

Its late fee is taken from your savings when they are paid out at the end of the year.

The savings you have already made remain yours and are paid to you in the end-of-year window, minus late fees for unpaid missed days.

No. Annual Njangis are a full-year commitment, so there are no withdrawals during the year. This is what makes the savings add up.

Everyone receives their savings together in one community window, from 25 December to 5 January. We announce the window and the steps in advance.

Your total savings, minus late fees for any missed days you never paid.

To the mobile money number on your account, unless we agree another way with you. Please keep your number up to date.

At the end of the year, members can decide together to put their savings towards an asset, such as company shares or land. We explain the plan, each member's share and the risks before anything is bought. Only members who agree take part.

Their savings are paid to their next of kin, in the next community window or earlier, once we receive proof.

Yes. Your password is scrambled so nobody can read it, connections are encrypted, your ID is kept private, and only the people who need it can see your details. Read our Privacy Policy for the details.

Never. Not by phone, email, WhatsApp or text. If anyone asks for it, it is a scam.

Don't send money or share any codes or passwords. Our emails only come from no-reply@accquan.net. Tell us in Get help, or through Can't log in? if you can't log in.

No. We never sell your information and we don't use it for advertising.

No. Accquan works in your phone's browser at accquan.net. You can add it to your home screen so it opens like an app.

Yes. Accquan is in English and French. Use the EN | FR switch at the top of any page, and we remember your choice.

Tap "Forgot your password?" on the login page and we'll email you a link to choose a new one. The link works for 1 hour.

Open Get help and we'll help you. You'll be able to change these yourself in the app soon.

Yes. Open Get help and we'll guide you. Savings you have already made are still paid to you in the end-of-year window, and we delete your personal information as explained in our Privacy Policy.

Members: open Get help in the app and send us a ticket. We reply there and by email, usually within a day. If you can't log in or aren't a member yet, use Can't log in? and we'll reply by email.

Open Get help (or Can't log in? if you can't log in) and write "Complaint" in the subject. We confirm within 2 working days and aim to resolve it within 15 working days. Our Complaints page explains the full process.