Question 1

What is Tonty?

Accepted Answer

Tonty is a digital ledger app that replaces paper notebooks used to track tontines (rotating savings groups) and store credits. It securely records all contributions, debts, and payments on your phone, and builds a digital reputation profile proving your financial reliability.

Question 2

What is a tontine?

Accepted Answer

A tontine (also called ROSCA - Rotating Savings and Credit Association) is a community savings group where members contribute a fixed amount regularly, and each member takes turns receiving the full pot. Tontines are widely used across Africa, the Caribbean, and diaspora communities worldwide.

Question 3

How does Tonty help small shop owners?

Accepted Answer

Tonty replaces the paper notebook shopkeepers use to track customer credits and debts. It provides a secure digital record, automatic reminders, and a verified merchant profile that builds trust with customers and suppliers.

Question 4

Is Tonty a bank?

Accepted Answer

No. Tonty never touches your money. It only records and tracks financial commitments. The funds stay in your group's hands. Tonty provides the digital ledger for transparency and trust.

Question 5

What is the Tonty Profile?

Accepted Answer

The Tonty Profile is a digital reputation score built from your activity — paying on time, keeping commitments. It serves as proof of financial reliability that suppliers, partners, and tontine groups can verify.