Gbam — Group Contributions

Gbam turns any WhatsApp group into a transparent contribution book. One person opens a goal. They drop one link into the group. Every naira that lands is attributed to a name, in public, in real time — and every member can open the same ledger and check it. WHY GBAM EXISTS Nigerian families, estates, churches, mosques, alumni sets and cooperatives raise money together every week. The money usually works. The accounting almost never does. Somebody keeps a list in a notebook. Somebody else says "I have sent it". Nobody can prove anything two years later. Gbam replaces that with a book. HOW IT WORKS 1. Open a goal. Say what it is for, how much, by when, and which bank account the money goes to. It takes about a minute. 2. Share one link into the group. The preview card shows the live total every time it is shared, so the group always sees where the goal stands. 3. People pay by bank transfer straight into the goal's own bank account, or in cash to the organiser. Each contributor gets their own reference, and the organiser confirms each payment from the account statement before it goes in the book. 4. The contributor gets a receipt with their position in the queue, and one tap posts it back into the group. WHAT MAKES IT TRUSTWORTHY · Who has paid comes from the goal's bank statement, never from a claim. Pressing "I have sent it" puts nothing in the book on its own. · Nobody confirms a transfer they sent themselves. · The ledger is double entry, in whole kobo, and hash chained. Change one figure and the chain breaks. Any member can run the check inside the app. · Money out needs two of three named co-signers and an attached invoice, and it is recorded with its bank reference. Every member is told. · Korevra never holds the money. It goes straight into the account the organiser names for the goal. Korevra keeps the book. FOR ORGANISERS · See who is silent and who promised. They are different problems. · Private reminders, one to one, never in the group. Capped, with quiet hours. · Reminders in English, Nigerian Pidgin, Yorùbá, Hausa and Igbo. · A closing report the family cannot argue with. FOR EVERYBODY ELSE · USSD, for the elders with no data. Dial, hear the total, and get the goal's account. · Relatives abroad pay into the same goal account from their own bank. · An open ledger and an audit trail that survives the goal. FOR ESTATES, CHURCHES, MOSQUES, SCHOOLS AND COOPERATIVES Recurring levies, a unit register, defaulter notices, and books you can take to a general meeting. WHAT IT COSTS Free to open a goal. Free to look. Free to be reminded. Paying into a goal by transfer is free too: Gbam takes nothing from it, and what a member sends is what the goal receives. Gbam is what Nigerians say when a thing is settled, correct and beyond argument. That is the moment this product exists to produce. Korevra Technologies Limited · Lagos, Nigeria