Micro-savings
made practical.
Digitizing Ibimina, automating compliance, and unlocking green mobility for every cooperative.
97.3% Undigitized
The vast majority of communal savings still live in cash-boxes, invisible to the global financial system.
100% Compliance
BNR regulatory ready. Automated reporting for informal clusters meeting national standards.
Green Transition
E-Moto asset-backed financing. Unlocking green mobility through verified savings histories.
USSD-First Payments
No internet needed. Pay via Mobile Money USSD, auto-verified and allocated to your savings group.
Built for the
informal sector.
Cool is the missing Inclusion Rail between community wealth and the formal financial system.
Purpose-Driven Savings
Turning abstract savings into tangible milestones like insurance renewals or e-moto downpayments.
Daily Loan Repayment
A breakthrough infrastructure that fits the daily income rhythm of informal workers. Zero-fee.
Group-Backed Credit
Leveraging ibimina trust networks to provide collateral-free access to formal green financing.
Everything you need.
Nothing you don't.
Group savings, biometric payments, and mobile money together in one premium experience.
Save together,
grow together
Create or join savings groups with transparent tracking. Every contribution is verified and recorded automatically.
Your face is
your wallet
Pay in seconds using biometric identity. No cards, no codes — just you.
Mobile Money,
simplified
One-tap USSD payments with automatic SMS verification. Every franc is tracked and reconciled.
Backed by banks
you trust
Your savings are held in custodial accounts with Rwanda's leading financial institutions.
USSD Micro-savings
& Evidence-Backed Ledger.
No internet? No smartphone? No problem. Cool operates on the most reliable infrastructure in Africa: USSD.
USSD Deposit
Member initiates deposit via *182*8*1*23456*2000#
MoMo SMS
System receives MoMo confirmation
Data Capture
Cryptographic Evidence extraction
Allocation
Split into restricted-purpose pots
Ledger Update
Evidence-Backed Ledger entry
Notification
Real-time SMS confirmation to member
3 steps to start saving
From sign-up to your first contribution in under two minutes.
Sign up with WhatsApp
Enter your phone number and verify with a WhatsApp OTP. No passwords, no email needed.
Join a savings group
Browse public groups or create your own. Invite friends via QR code or share link.
Save and grow
Contribute via Mobile Money. Every payment is auto-verified and tracked.
National
Economic Impact
Cool isn't just an app; it's an economic engine built to formalize and grow national savings across Rwanda.
Savings Growth
Projected 3x increase in formalized communal savings by 2026.
Credit Access
Bridging the gap for the underbanked through alternative credit scoring.
Stability
Reducing financial volatility for daily-wage earners through structured flow.
Solving the
Liquidity Trap.
The Problem
Billions in community wealth remain trapped in informal boxes, invisible to the formal economy.
The Solution
Cool digitizes ibimina contributions, building Evidence-Backed Ledgers for Purpose-Bound Financing.
The Impact
Enabling blended green mobility loans: 20% savings + 70% bank loan + 10% grant.
Bank
Savings
Grant
Jean's
Journey
Visualizing the path from informal work to green mobility ownership.
Onboarding
Jean joins his local moto-taxi cooperative.
Daily Micro-Savings
Every day, Jean saves RWF 2,000.
Trust Score
After 6 months of consistent behavior, Jean's group-backed trust score qualifies him for Purpose-Bound Financing.
E-Moto Loan
Jean receives a green mobility loan. His daily savings now cover the Zero-Fee Daily Loan Repayment.
Automated Compliance
Solving Real
Pain Points.
Cool is designed to eliminate operational friction across the financial ecosystem.
Cooperative Leaders
The Pain
Manual tracking disputes & cash handling risks.
The Solution
Automated USSD-to-Ledger pipeline with zero-dispute transparency.
Insurers
The Pain
High premium lapses & collection costs.
The Solution
Automated daily micro-premium collection from restricted-purpose pots.
Commercial Banks
The Pain
High cost-to-serve informal workers.
The Solution
Low-cost deposit mobilization & Purpose-Bound Financing rails.
Regulatory
Comfort Pack.
Engineered for institutional trust. Your community's wealth stays 100% intact.
Custody Clarity
Equity Bank acts as the official custodian.
Evidence-Backed
Cryptographic evidence for every MoMo SMS capture.
Risk Controls
Idempotency built into the core.
Zero-Fee Promise
Zero-fees for savers.
Partner Deep-Dive
Cool
Inclusion RailData Capture & Ledger Management
Equity Bank
CustodianEscrow Account Management
Regulators
OversightCompliance & Consumer Protection
Trusted by the ecosystem.
Rwanda's trusted financial and regulatory institutions power Cool's custodial savings.
Urwego Bank
Microfinance institution providing group savings custody and account opening services.
Equity Bank
Full-service banking partner for custodial accounts and community savings programs.
Ready to digitize
community wealth?
Join 35,000+ moto-taxi drivers and 4.8M ibimina participants in building a more inclusive financial future for Rwanda.