Our Vision

Building the Future of
Community Savings

Isikoqokoqo is on a mission to become South Africa's most trusted digital savings platform — powered by Banking-as-a-Service technology and built for everyday people.

Our Roadmap

Phase 1Now — 6 months

Foundation

Building a solid, compliant base for Isikoqokoqo.

  • Launch Isikoqokoqo app
  • Register Isikoqokoqo (Pty) Ltd with CIPC
  • Open Capitec Business bank account
  • Apply for FSP license with FSCA
  • Reach 500 early users (organic + referrals)
  • Achieve 50+ active monthly users
Phase 26 — 18 months

Banking-as-a-Service

Partner with a licensed BaaS provider to embed real banking infrastructure.

  • Partner with Ukheshe or Jumo BaaS platform
  • Every user gets a real virtual wallet & account number
  • Automated deposits & withdrawals (no manual confirmation)
  • Integrate Ozow / Stitch for instant EFT payments
  • Real-time balance updates
Phase 318+ months

Full Scale Fintech

Become a fully licensed deposit-taking institution with national reach.

  • Issue virtual debit cards to users
  • Earn interest on pooled savings (money market)
  • SARB registration as Cooperative Bank
  • Expand to 100,000+ users across South Africa
  • Launch Isikoqokoqo mobile app on iOS & Android

Planned BaaS Partners

🏦

Ukheshe

BaaS — Wallets, Cards & Payments

Best Fit
💰

Jumo

Savings & Credit Infrastructure

Strong Fit
🔗

Stitch

Bank-to-Bank Transfers

Strong Fit
⚡

Ozow

Instant EFT Payments

Good Fit

Our 5-Year Goal

Serve 100,000 South Africans with a safe, trusted, and affordable savings platform.

100K

Users

R500M

Savings managed

9

Provinces

Fully Compliant & Regulated

Isikoqokoqo is committed to operating under the full oversight of the FSCA and SARB, ensuring your savings are always protected by South African financial law.