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Savings & community moneyLive

No one moves the pot alone.

Group pots with roles, campaigns and multi-signature payouts.

Talk to us about communitiesAPI reference →
Illustrative
Why it matters

What it changes for you.

Estates, market associations, alumni sets, churches and family meetings all collect money together. Usually one person holds it, members can't see it, and every payout is a matter of trust.

Communities on Bridge gives the group its own account that every member can see. Members join by invitation, code or link, each with a role. They pay in once, on a later date, or as recurring dues. Campaigns raise money for one purpose, with a target, a deadline and each member's share. And payouts need two to five officers to sign, each with their own PIN; whoever asks for a payout can never sign it.

Owners manage roles and permissions, suspend or remove members, hand over ownership and close the community, and every one of those actions is on the record.

How it works

Step by step.

  1. Found the community

    Name it, define its roles and what each can do, and activate it. Sub-communities can sit under it as chapters.

  2. Bring members in

    Invite by phone, email or username, share a join link, or review requests to join.

  3. Money comes into the pot

    Contributions now or later, recurring dues, and campaign contributions, all visible to members.

  4. Request a payout

    Anyone with the right role asks, with what it's for and who gets paid.

  5. Officers sign

    Two to five, each with their own PIN, never including the person who asked. Then it's paid.

What you can switch on

Built in, not bolted on.

A pot everyone can see

Balance and statement for every member, split into what's free to pay out and what's set aside.

Multi-signature payouts

Between two and five officer signatures, and the requester can never be one of them.

Campaigns with targets

Raise money for one purpose, assign shares, waive them for members who can't pay, and refund if it's cancelled.

Recurring dues

Weekly, monthly or yearly contributions taken on schedule, so nobody chases dues on WhatsApp.

Roles you define

Owner, treasurer, officers and members, or your own roles, each with exactly the permissions you give them.

Chapters

Sub-communities for branches and zones, each with its own pot, under one parent.

  • Group pots that every member can see
  • Roles and permissions per member
  • Dues, campaigns with targets and refunds
  • Payouts that need two to five officers to sign
Use cases

How businesses use it.

Illustrative businesses, not customers. Figures are made up to show the flow.

A residents' association in Lekki · Cooperatives & groups

Estate dues and a security levy

Ninety households pay monthly dues and a one-off levy for a new gate. The chairman holds the money in his own account, and residents ask where it went at every meeting.

  1. The association becomes a community with a treasurer and three officers
  2. Monthly dues are taken from each household automatically
  3. The gate levy runs as a campaign with a target and a deadline
  4. The contractor's payment needs two officers to sign

Every resident can see the pot and the levy's progress, and no single person can pay the contractor.

Illustrative

A traders' association in Aba · Cooperatives & groups

A market association's welfare fund

Members contribute weekly to a fund for emergencies: a burnt stall, a hospital bill, a funeral. Payouts are decided in meetings but paid by whoever holds the cash.

  1. Members pay ₦1,000 a week as recurring dues
  2. A member in need is proposed for a payout
  3. Three officers sign before anything moves
  4. The payment and the signatures are on the statement for everyone

Members trust the fund because they can see every payout and who approved it.

Illustrative

A secondary school alumni association with chapters in four cities · NGOs & government

Alumni chapters raising for their school

Each city chapter raises money separately for the school's new library and sends it to the national treasurer. Nobody can see the total until the end.

  1. The national association creates a chapter for each city
  2. Each chapter runs its own campaign towards its share
  3. Chapters pay their totals to the national pot, with their officers' signatures
  4. The national campaign shows every chapter's contribution

Chapters raise and approve locally, and the national association sees the whole picture as it happens.

Illustrative
What it won't do

Honest limits.

  • Whoever asks for a payout can never sign it.
Bridge Payments

Collect dues with Bridge Payments

See Bridge Payments
Who uses it

Built into these products.

Banks, MFBs & PSBs

Add offline payments and new products to the channels you already run.

Banks, MFBs & PSBs

Cooperatives & groups

Group money with signatures, dues and payouts.

Cooperatives & groups

NGOs & government

Pay beneficiaries with approvals and a full trail.

NGOs & government
For developers

Create a community.

Endpoints in the Communities API reference, with every parameter and response.

State changes arrive as signed webhooks. How webhooks work

POST /community

curl -X POST "https://api.bridgemoni.com/community" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Ada Obi",
    "description": "March payroll",
    "category": "text",
    "visibility": "PUBLIC",
    "joinPolicy": "OPEN",
    "parentCommunityReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "countryCode": "NG",
    "defaultCurrencyCode": "NGN",
    "maximumMembers": 1,
    "payoutApprovalsRequired": 1
  }'

Questions about communities

How many officers must sign a payout?

Between two and five, set by the community. The person who requested the payout can never sign it.

Can a member leave and take their money?

Contributions belong to the pot, not to the member. Campaign refunds follow the campaign's rules if it's cancelled.

Can a campaign pay a bill directly?

Yes, a campaign can pay a bill straight from the pot, with the same signatures as any payout.

What if the owner wants to step down?

Ownership is handed over to another member, and the change is recorded.

Related capabilities

Savings

Live

Plan types, funding rules, rotating groups and daily interest.

Budgets & goals

Live

Category budgets, auto-categorisation and spending goals.

Family support

Live

A separate pot for the people a customer supports, with asks and limits.

Bridge for Business

Tell us what you're building.

We'll come back with what's live for you today, and what's next.

Talk to usRead the docs