Kiti Drops begin 1 November 2026 · A new savings goal every week.
KITI
Trust & Safety

Trust shouldn't require blind faith.

Kiti helps people form communities around shared goals — sometimes with people they didn't know before.

That's why trust isn't based on one thing. It's built through identity verification, clear community rules, visible decisions, contribution transparency and participation history.

See how Kiti builds trust Read Community Guidelines
Community Verified member

December Groceries

Members12
RulesAgreed
Contribution planVisible to members

Administrator

Nomsa M.

Community decisionsRecorded
Step one

It starts with knowing who's joining.

Before members can participate in savings through the approved savings partner, identity verification may be required as part of the partner's onboarding and KYC process.

Join Kiti
Create your profile
Join / form a community
Complete required verification
Start participating

Kiti profile

Your Kiti profile is how the community meets you: your name, your goal, your city and your participation history. Kiti itself does not perform banking KYC.

Approved savings partner verification

Depending on the approved savings partner's requirements, verification may include:

  • Identity information
  • South African ID / accepted identification
  • Selfie / identity check
  • Contact details
  • Required KYC information

"But these people are strangers."

They may be — at first.

Kiti is designed to give people more information, clearer rules and more visible participation before trust is expected to develop.

Before joining

  • Goal
  • Location
  • Contribution expectations
  • Saving period
  • Community size
  • Community description
  • Relevant member criteria

After joining / as the community develops

  • Community rules
  • Decisions
  • Participation
  • Contribution progress where available
  • Member responsibilities
  • Community activity
  • Reputation / participation history as these features become available

Kiti provides tools that can support better-informed decisions. No digital platform can guarantee the behaviour of another person.

No treasurer.
No secretary.
No chairperson.

Kiti has an administrator.

Traditional stokvels often rely heavily on office bearers. Kiti uses a different structure. The Kiti Administrator helps organise the community and keep information up to date.

The administrator may help

  • Set up community information
  • Coordinate onboarding
  • Keep community information updated
  • Facilitate polls and decisions
  • Help coordinate agreed plans
  • Initiate the approved savings-partner setup where applicable

The administrator does not automatically

  • Own the community's money
  • Become the group's treasurer
  • Make every decision
  • Change agreed rules without the required process
  • Automatically control other members' savings

The community agrees its rules together.

So who actually holds the money?

Not Kiti.

Kiti provides the community and administration experience. Where savings are involved, the savings infrastructure is provided through an approved savings partner.

Kiti

CommunityPlanningRulesVotingAdministrationProgressMember experience

Approved savings partner

Required verificationSavings infrastructureContributionsApplicable interestWithdrawalsFinancial records

Applicable interest, where provided under the savings partner's terms.

Your money

Your contribution is still yours.

Where the approved savings structure supports individual member balances, each member's savings remain individually attributable to that member within the partner's savings infrastructure.

  • Individual contribution records
  • Clear transaction history
  • Community progress visibility where applicable
  • Partner-managed savings infrastructure
Inside a community

Progress you can actually see.

www.kiti.co.za / community / december-groceries-2027

December Groceries 2027

Members12
GoalR144,000
Saving period12 months
Monthly target / memberR1,000

Community progress

R72,000 / R144,000

6 months completed

Members

  • NNomsaUp to date
  • TThandiUp to date
  • LLeratoContribution due
  • SSiphoUp to date

Only appropriate community information is visible to authorised community members. Community activity is not publicly searchable.

Decisions

No back-room decisions.

Important community decisions should be recorded where members can see them.

Poll

Should we buy directly from the farmer?

Yes78%
No22%

12 / 12 voted

Proposal

Move our target purchase date

1 November15 November

Status · Voting
Rule change

Monthly contribution

R800R1,000

Requires community approval

Discuss
Vote
Record
Move forward

Agree first.
Contribute second.

Before a Kiti begins saving, the community should agree on its rules.

See Community Guidelines
  • Contribution amount
  • Contribution frequency
  • Saving period
  • Goal
  • Member responsibilities
  • Decision-making rules
  • Late / missed contribution process
  • Leaving the community
  • New member process
  • Withdrawal arrangements
  • End-of-goal process
  • Supplier / purchasing decisions where relevant
Missed contributions

Life happens. The rules shouldn't disappear when it does.

A member misses a contribution. What happens?

  1. 1The missed contribution is recorded where applicable.
  2. 2The community follows its agreed rules.
  3. 3The member can communicate with the community.
  4. 4Any changes should follow the agreed process.
  5. 5Financial actions remain subject to the approved savings partner's applicable terms.

Different communities may agree different rules.

Leaving

Leaving shouldn't be a secret decision.

Leaving should not depend on somebody secretly deciding whether you're "allowed" to go. The process follows the community rules, the approved savings partner terms and any applicable withdrawal conditions.

Request
Rules check
Partner process
Outcome recorded

Withdrawal timing depends on the approved savings partner's applicable process — Kiti does not promise instant withdrawals.

Reputation

Trust is earned through participation.

Over time, Kiti can build a participation layer that reflects how someone shows up in their communities. This is community participation history — not a credit score, and it never exposes sensitive financial information.

Member sinceCommunities joinedCommunities completedParticipationContribution consistency where appropriateCommunity rolesVerification status
LM

Lerato Mokoena

Verified
Member since2026
Communities3
Completed2
ParticipationStrong
Over time

Trust should grow with the community.

Day 1

You discover someone.

Week 1

You understand the shared goal.

Formation

The community agrees its rules.

Saving period

Participation becomes visible.

Month 6

Members have built history together.

Goal completed

The community has a track record.

Your first Kiti doesn't have to be your last.

The bigger Kiti vision is that communities can develop genuine history and trust over time.

Meeting your Kiti in person?

A few simple habits.

  • Meet in public places
  • Tell someone where you're going
  • Don't hand cash to another member
  • Don't share passwords or OTPs
  • Keep important decisions inside Kiti where possible
  • Be cautious about requests to move money outside approved processes
  • Report suspicious behaviour

Common sense, not fear.

Kiti will never ask you to

  • Give another member your banking password
  • Give another member your OTP
  • Send money to an administrator's personal account as an official Kiti contribution
  • Share sensitive authentication credentials
  • Ignore the approved savings process

Something doesn't feel right?

Report a concern
Reporting

See something.
Say something.

Every report is reviewed by a real person on the Kiti trust and safety team, and tracked to an outcome.

Report a concern

What you can report

Suspicious memberMisleading communityHarassmentInappropriate contentSuspected fraudImpersonationUnsafe behaviourOther concern

How a report moves

NewUnder reviewAction requiredResolvedClosed

Each report is logged with a reference, category, description and date, and can be submitted anonymously.

FAQ

Straight answers.

Trust isn't a feature.
It's the foundation.

Find people with the same goal. Agree on the rules. Build a track record together.

Explore Communities

Kiti Web opens 1 October 2026.