Kwetfu Sonkhe

If you want to go fast,
go alone.

If you want to go far,
go together.

Stokfelas brings your stokvel into the modern age — transparent, accountable, and built for the way communities in Eswatini and beyond already support each other.

E100k+

Average member portfolio

100%

Transparent to all members

3 min

To process a new month

The Challenge

The stokvel is one of Africa's greatest financial innovations. But trust is fragile.

⚖️

The single treasurer problem

When one person holds the books — and the money — trust becomes a single point of failure. One bad month, one misunderstanding, and years of community can unravel.

🌫️

No visibility, no accountability

Members contribute faithfully every month but have no way to verify balances, track interest, or understand how their money is being managed in real time.

📋

Paper records and group chats

WhatsApp messages and handwritten ledgers cannot scale. When disputes arise, there is no audit trail — only memory, and memory is unreliable.

The Platform

Built for the community.
Powered by the future.

Stokfelas replaces the treasurer's notebook with a shared, transparent, always-on ledger — where every member can see everything, in real time.

Transparency

Everyone sees the same truth

Every contribution, every loan, every cent of interest — visible to all members, always. No more "trust me" moments. The ledger speaks for itself.

Accountability

Democratic loan approvals

Loan requests go through a structured approval process. Members vote, timestamps are recorded, and nothing moves without the right consensus.

Intelligence

Automatic amortization

Interest calculations, FIFO repayments, and monthly schedules happen automatically. No spreadsheets, no manual errors, no disagreements about who owes what.

Analytics

Know your portfolio

LTV ratios, cash yield, capital deployed, interest accrued — real financial metrics that help your group understand the health and growth of its collective wealth.

Flexibility

Configure your own rules

Set your own contribution amount, interest rate tiers, holiday months, and approval thresholds. Stokfelas adapts to how your group works — not the other way around.

Security

Complete data isolation

Every stokvel lives in its own secure environment. Your data is invisible to every other group on the platform. What happens in your stokvel, stays in your stokvel.

Getting Started

Your stokvel, online
in three steps.

Request access

Tell us about your group — name, size, and what you're hoping to achieve. We review every request personally.

Set up your stokvel

Once approved, you get your own private space at yourname.stokfelas.com. Configure your rules, invite your members.

Walk together

Start recording contributions, processing loans, and watching your collective wealth grow — transparently, together.

Umuntfu ngumuntfu ngebantfu.

I am because we are.

The stokvel is not just a financial instrument. It is an expression of Ubuntu — the belief that our prosperity is inseparable from each other's. Stokfelas is built to honour that.

Request Access

Ready to walk
further, together?

Stokfelas is currently invite-only. Tell us about your group and we'll be in touch. Every application is reviewed personally.

If you want to go fast,go alone.

If you want to go far,go together.