Every feature your cooperative needs — with dedicated NUBANs & Halal finance.
From personal virtual accounts and automated bank reconciliation to rotational Ajo thrift, member marketplaces, and AGM secret balloting. Run an audit-ready, 100% Shariah-compliant cooperative without spreadsheets.
Safe Haven MFB & Wema Bank
Murabaha, Qard Hasan, Mudarabah
Instant webhook ledger posting
Marketplace, Ajo, Elections & Audit
Experience ProntoCoop in action with seeded demo accounts
Ready for today's presentation. Fully configured with active NUBAN virtual accounts, Safe Haven MFB rails, Paystack card checkout, halal loans, and payment event reconciliation.
No more teller slips. Every member gets a personal NUBAN bank account.
Conventional cooperative software makes your finance secretary manually verify screenshots of bank receipts sent on WhatsApp. ProntoCoop replaces that entire mess with direct, automated banking rails.
Instant Dedicated NUBAN Issuance
Issued automatically upon BVN KYC verification via Safe Haven MFB and Wema Bank / Titan.
Direct Deposit from Any Bank App
Members transfer from GTBank, Zenith, Access, Kuda, OPay, Palmpay, or USSD directly to their personal cooperative account number.
Sub-Second Automated Ledger Reconciliation
Our banking webhook fires instantly. The member's savings ledger updates in under 2 seconds. Both member and admin receive SMS and in-app alerts.
Integrated Paystack Card Gateway
Members who prefer debit card payments can tap to pay with Mastercard, Visa, or Verve with instant automated credit.
15 integrated modules covering every inch of your cooperative
Explore the complete feature breakdown below. Filter by category or search for any capability your society requires.
Shariah Governance & Advisory Engine
End-to-end Shariah supervision, Riba-free audit trails, and automated compliance certification.
Islamic Facility & Loan Management
Comprehensive interest-free credit facility processing, digital guarantor endorsements, and collection tracking.
Mudarabah Wealth & Savings Pools
Flexible halal wealth accumulation plans for individuals, groups, and targeted milestones.
Contribution Cycles (Ajo / ROSCA / Esusu)
Automate traditional rotating savings associations with peer accountability and zero usurious fees.
Dedicated Member NUBAN Accounts
Every member receives a dedicated Nigerian bank account number upon onboarding for instant funding.
Automated Bank Reconciliation & Treasury
Back-office treasury command center tracking settlements, automated matching, and omnibus balances.
Paystack Gateway & Card Payments
Card checkout, recurring debit mandates, and instant digital payment confirmation.
Cooperative Marketplace & Commodity Store
Internal member commerce, bulk staple food procurement, and integrated Murabaha asset financing.
Shareholding & Equity Capital Registry
Equity unit ownership, patronage dividend calculations, and verifiable share certificates.
Democratic Governance & AGM Elections
Secret-ballot digital voting, motion polling, and transparent executive committee leadership.
Multi-Branch & Location Hierarchy
Manage national federations, state chapters, and local branches from a unified back-office.
Member Lifecycle & Tiered KYC
Fast self-registration, automated identity verification, and complete member directory.
Meetings & Digital Minutes Repository
Organize AGMs, committee deliberations, digital attendance, and signed minutes archive.
Financial Statements & Regulatory Reporting
GAAP-compliant financial statements, loan book aging, and 1-click statutory filing exports.
Enterprise Security & Data Sovereignty
Bank-level encryption, Nigerian data residency, and granular role-based permissions.
Why cooperatives choose ProntoCoop over conventional platforms
See how ProntoCoop stacks up point-for-point against conventional platforms like Ajopin.
| Capability | ProntoCoop | Conventional Platforms (e.g., Ajopin) |
|---|---|---|
| Shariah & Halal Finance | 100% Riba-Free by design. Murabaha commodity loans, Qard Hasan benevolent advances, Mudarabah profit sharing, and dedicated Shariah Board portal. | Conventional interest-bearing loans (10-30% APR). No Shariah governance or Islamic contracts. |
| Member Bank Accounts (NUBAN) | Instant dedicated personal NUBAN per member (Safe Haven MFB & Wema Bank). Members transfer from any bank app; ledger credits in seconds. | Manual bank transfers to cooperative omnibus account. Members must upload paper teller slips; manual admin verification required. |
| Bank Reconciliation | Sub-second automated reconciliation via cryptographic webhooks. 99%+ automatic match rate with exception resolution console. | Spreadsheet-based reconciliation. Finance secretaries spend days matching bank statements at month-end. |
| Commodity & Asset Financing | Integrated Halal Marketplace with Murabaha installment procurement for foodstuff, electronics, and solar power. | Basic product listing or none. Members must seek external high-interest retail loans. |
| Rotational Thrift (Ajo / ROSCA) | Automated Ajo cycles with algorithmic rotation, NUBAN auto-payouts, and default deterrence guardrails. | Manual WhatsApp / ledger tracking. High default risk and administrative chaos. |
| Democratic AGM & Elections | Digital secret-ballot elections, candidate profiles, quorum verification, and motion voting for AGMs. | Manual physical voting or unverified Google Forms. Vulnerable to disputes. |
| Equity & Share Capital | Full share registry, digital share certificates, and automated patronage dividend distribution calculator. | Basic spreadsheet record without digital certificates or automated surplus allocation. |
| Regulatory & Data Compliance | Tier-III Nigerian sovereign data residency, NDPR compliant, CAC documentation, and State Cooperative Society reporting packs. | Unregulated hosting or foreign servers with limited Nigerian statutory reporting support. |
Frequently Asked Questions
Clear answers to the most common questions from cooperative executives and members.
How does the dedicated NUBAN account work for each member?
When a member registers and verifies their identity, ProntoCoop instantly provisions a dedicated Nigerian Uniform Bank Account Number (NUBAN) through our banking partners (Safe Haven MFB and Wema Bank / Titan). The member can transfer funds into this account from any Nigerian mobile banking app (GTBank, Zenith, Access, Kuda, OPay, Palmpay, Moniepoint, etc.) or USSD. The moment the transfer lands, our webhook automatically credits their savings ledger within seconds — no paper receipts, no manual teller matching.
How does ProntoCoop ensure strict Shariah compliance without interest?
ProntoCoop is engineered from the ground up for Islamic finance. Rather than charging interest (Riba), we support recognized Islamic contracts: Murabaha (cost-plus asset financing where the cooperative purchases goods and sells at an agreed markup), Qard Hasan (benevolent 0% interest loans for emergencies), and Mudarabah (profit-loss sharing where surplus returns are distributed proportionally). We also provide a dedicated Shariah Advisory Board module for independent scholars to inspect contracts and generate audit certificates.
Can our members pay with debit cards via Paystack as well?
Yes! In addition to dedicated NUBAN bank transfers, ProntoCoop includes full Paystack payment gateway integration. Members can fund their savings or repay facilities with debit cards (Mastercard, Visa, Verve) securely, or authorize automated direct debit mandates.
Can we migrate our existing member registers and balances from spreadsheets?
Absolutely. ProntoCoop features a bulk CSV data migration utility. You can import existing member profiles, opening savings balances, share capital holdings, and active facilities in minutes. Our onboarding engineering team assists every cooperative during initial setup.
How does the cooperative withdraw or disburse funds from the treasury?
All member deposits accumulate in your cooperative's master settlement bank account. Disbursements (such as loan payouts, Ajo rotations, dividends, or vendor purchases) require multi-signature approval from designated signing officers (e.g. Chairman + Treasurer) with complete audit logging.
Ready to present ProntoCoop to your stakeholders?
Book a dedicated walkthrough or test drive our live sandbox accounts with seeded members, active NUBAN virtual accounts, and loan facilities.