Easily save with the power of your community
Organise, fine-tune, and grow your saving from the excess of your daily, weekly, or monthly revenue
Organize friends and family.
Set-up your group pool in minutes, no long forms.
Control group Contributions.
Have something for a rainy day.
Cultural savings tool at your fingertips and fund what’s possible.
Organise, fine-tune, and grow your savings
Plan ahead with Ayuuto cultural savings. Easily organize funds for restocking inventory, staff salaries, business permits, or expanding to new locations.
Ayuuto Community Financing
Save collectively with people of similar cooperative significance. Rotate collections to create access to shared capital exactly when your business needs it most.
Saving Club and Credit
Convert your network of family and friends into a source of capital. Save daily or weekly and take turns receiving credit to cover any unexpected expenses.
Build your credit score with every contribution
Consistent contributions build trust with Onkout’s affiliate banks. Responsible participation makes it easier to access larger loans and lower interest rates.
Start small, think big
30 Participant
1% GPY
Great for short-term savings goals, paying off electricity bills or restocking items. Interest paid monthly.
30 – days continuation of the group pool
26 Participant
3% GPY
Great for medium-term savings goals, paying off business needs or starting one. Interest paid monthly.
26 – week continuation of the group pool
12 Participant
5% GRY
Earn 1% Group Percentage Yield. Great for long-term savings goals, paying off electricity bills or restocking items.
12 – months continuation of the group pool
Automated Savings will help you focus on what you do best.
Save money easily with your community Ayuuto+ SHG.
Contribute to your group pool on a daily, weekly, or monthly schedule. Set individual goals and track your progress in real-time to reach milestones faster.
Visual insights for a better future.
View monthly overviews to see exactly how your expenses are distributed. Use these insights to manage your cash flow and achieve financial goals with ease.
Enjoy more peace of mind
Fast, free transfers
Move your Ayuuto savings into your BlueStar account instantly and for free. No more waiting—access your collective capital exactly when you need it.
CBS-insured
All funds are CBS-insured via our affiliate Galaxy International Bank. We prioritize your security, providing safety and speed for every digital transaction.
Sounds familiar?
This saving method is practiced worldwide
Ayuto (Somalia)
Chilemba (Uganda)
Chamas (Kenya)
Ekub (Ethiopia)
Powerful tool to capture social capital and self–efficacy at your fingertips.
When you have too many tasks and not enough time, find ways to increase your productivity with the best in class POS
Build savings, records, and collective strength
Designed to ease the challenges that MSMEs face with the lack of digital ledgers. Ayuuto+ SHGs provide access to capital and networking to help members thrive.
Inspired by the NRC–BRCiS Self-Help Group model
Representation and shared economic strength
Mature SHGs nominate members to form a Cluster Level Association. The CLA handles social and economic matters, letting members focus on generating revenue.
Inspired by the NRC–BRCiS Self-Help Group model
Scale impact and influence collectively
CLAs nominate members to establish a Federal Level Association. FLAs work with Onkout to shape saving tools that ensure broad economic and social benefits.
Inspired by the NRC–BRCiS Self-Help Group model
FAQ
Ready to save with Onkout’s Ayuuto cultural saving?
Instantly access your money that the Ayuuto group pool has allocated to you.
Onkout, the Onkout logo, BlueStar Digital Banking Financial Services, Onkout B-in Control Business Management, and others are tools and trademarks of Onkout, Ltd. Onkout Ayuuto Cultural Financial Saving is wholly owned by Onkout, Ltd.
Onkout, Ltd. is a financial services platform, and the Central Bank of Somalia (CBS) regulates Onkout’s tools through our third-party bank partner affiliate, Galaxy International Bank, Ltd., so as to inspect all or part of a risk-based framework focusing on Damiin AML/CFT compliance, Onkout’s BlueStar tool e-money licensing, minimum capital requirements, and QR–Payment digital payment security.
Onkout Bank Account
Onkout Bank Account is issued by partner banks, Member SBS. Instant availability of Onkout Payments. Funds generated through Onkout’s payment processing services are generally available in the Onkout Digital Bank account balance immediately after a payment is processed. Fund availability times may vary due to technical issues.
Onkout’s Ayuuto Cultural Savings
Group savings accounts are provided by Onkout’s Digital Banking BlueStar affiliate, Galaxy International Bank, Ltd., Member CBS. Accrue a group participation yield (GPY) of 1–5% per folder on folder balances over $10. GPY is subject to change, current as of 8/9/2026. No minimum deposit is required to open an account.
The rate of our cultural savings group account is more than 2x the national average of 0.41% GPY, based on the national average of Ayuuto+ culturally group savings rates published in Onkout’s geedi-socodi Daily, Weekly, and Monthly National Rates and Rate Caps, accurate as of 8/9/2026.
Onkout’s Ayuuto Cultural Savings and Loans
All loans are issued by Onkout’s Digital Banking BlueStar in collaboration with Onkout’s banking affiliate Galaxy International Bank, Ltd. The actual fee depends upon the contribution payment to the Ayuuto+ group pool processing history, loan amount, and other eligibility factors. Loan eligibility is not guaranteed. All loans are subject to credit approval.
Onkout’s Permit–Hub
In commitment to our mission of empowering survivalists and MSMEs, we utilized insights and approvals from the municipality to partially design and develop a new, independent business registration system. A business Permit is a digital document issued through Onkout’s B-in Control tool by the municipality’s local government Directorate of Business and Industrial Development.
The mandate of the Directorate of Business and Industrial Development is to issue business permits through the Onkout(s) B-in Control tool. It’s also mandated to regulate and stimulate the different sectors while raising the level of jobs in their respective municipal jurisdictions and controlling businesses through the issuance and renewal of Business permits.