Everything it does,
counted
A line is something you can do today, not something on a roadmap.
- Lines in the register
- 76
- Areas
- 8
- Named permissions
- 52
- Report views
- 8
- SMS credit
- ₦7
- Read the code on
- 5 Nov 2026
The register
The ledger15 lines
One row per movement, with who moved it and what the wallet held before and after.
- Seven entry types, from Deposit to Card Sale
- Four states on every entry
- Balance snapshot on the row itself
- Agent and branch on every entry
- Commission recorded per withdrawal
- Commission returned when an entry is cancelled
- Back-dating for catch-up posting
- Spill-over marking for a later credit
- An approval queue for staff without auto-approve
- Reversal without deletion
- Insufficient-funds guard on withdrawals
- Daily, weekly, monthly and date-range queries
- Monthly cash position
- Per-agent daily reconciliation
- Printable receipt per transaction
Members and cards14 lines
The passbook, kept as data instead of paper.
- Contribution cards in ten categories
- Five card statuses
- Card sale as a ledger type
- Purchased cards and inherited cards
- Category wallets split from members' money
- A wallet per member
- Members see their own figures and no one else's
- A member can record a deposit and attach proof
- A web passbook for members
- Statement with opening and closing balance
- Member import from CSV
- Contribution history import from Excel
- Bulk daily entry across consecutive days
- Archive that keeps the history
Savings and loans11 lines
Goals with a target, and loans with a flat rate.
- Savings plans with a target and a period
- Three saving cadences
- A plan completes itself at target
- Savings wallet and history
- Deleting a plan refunds what was saved
- A virtual account to fund a saver
- Loans at flat percentage interest
- Duration in days, end date computed
- Repayment history and portfolio totals
- Overdue promoted when the end date passes
- Repayment recorded as a ledger row
Staff and access13 lines
A team with a role, a scope and a PIN.
- Eight staff types
- Four lifecycle states; suspension stops login
- Fifty-two named permissions
- Custom roles, a hierarchy and cloning
- Four permission scopes, failing closed
- A field-versus-office boundary
- Assign and reassign members between agents
- Branches with codes and their own history
- Departments as a tree with a head
- Transaction PIN, hashed, with lockout
- A platform switch for PIN enforcement
- Balances hidden from staff without the scope
- Plan limits enforced at the API
Telling people7 lines
SMS and in-app alerts, metered and time-windowed.
- SMS on a deposit and on a withdrawal
- SMS on approval and on cancellation
- Your sender ID on every message
- Credits at ₦7, one credit a message
- Sends run between 08:00 and 20:00
- A balance broadcast to every member
- In-app alerts on a new entry or loan change
Reports and files6 lines
Eight views, a morning email, and a CSV when you want the raw rows.
- Daily report by email at 07:00 with CSV attached
- On-demand report, daily to custom range
- Eight analytics reports
- Each report behind its own permission
- Transaction export as CSV
- Timeframe filters on every report
Your account6 lines
Plans, invoices and the record of who changed what.
- Invoices and a hosted checkout page
- Payment intents and a verified webhook
- Add-ons for staff, credits and the loan module
- A log of every staff and permission change
- Nightly platform backup
- A blog with draft and published states
Where the work happens4 lines
A phone in the field, a screen in the office, a passbook for the member.
- An Android app for the field
- A web dashboard for the office
- A web passbook for members
- Three dashboards: business, agent, person
What is not on the list
No offline mode, no WhatsApp automation, no payout to a bank, no rotating ajo round with a bidding stage. Akawo Manager is a ledger with SMS, email and reports around it, and that is the honest shape of it.