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Your Group's Money,Out of the
WhatsApp Group.

Zeturi replaces the spreadsheet, the screenshots, and the treasurer's memory with one shared record every member can check: who paid, what's owed, and what was decided.

Start Your 60-Day Trial→See How It Works →

60 days free · No credit card · Takes about 5 minutes

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Does not hold your fundsPOPIA-aware designEncrypted records
MinutesMotion approved12 members present
EFT ProofR 2 500Ref ZET-014
Claim FormDlamini familyWaiting period met
Shared RecordAuditable
ContributionPortia Dlamini+R 2 500
DecisionCapital call approved73%
StatementMember view updated10:14
DocumentReceipt linked to recordFiled
11.5MEstimated number of South Africans participating in stokvels and savings groups
R 50B+Estimated annual value circulating through community savings structures
WhatsAppSpreadsheetMemory

Most groups still rely on WhatsApp, a spreadsheet, and someone’s memory.

The record before Zeturi

Source: Standard Bank, citing National Stokvel Association of South Africa data.

Built for the Schemes South Africans Already Run.

Stokvels, burial societies, investment clubs, and property syndicates use different rules. Zeturi gives each one the right operating record.

Stokvels

Track members, contributions, balances, decisions, and supporting documents.

Next payout
1Nokwanda PhiriR 7 500This month
2Sipho NkosiR 7 500December
3Thabo MokoenaR 7 500January
15MembersR 112 500Contributions tracked
  • Automated rotations
  • Transparent digital ledger
  • PDF statements
See how it works →

Burial Societies

Keep member records, dependants, claims, payouts, and scheme documents organised.

Active claim
Submitted byPortia Dlamini
BenefitR 10 000
Waiting periodMet
StatusApproved
  • Claims workflow with documents
  • Premium and arrears tracking
  • Waiting-period rules
See how it works →

Investment Clubs

Record member contributions, holdings, decisions, valuations, and distributions.

Your position
R 18 420+8.4%
48.25 units × R 381.80 per unit
Fund NAVR 324 600
  • True unitisation and NAV
  • Member investment statements
  • Capital events
See how it works →

Property Syndicates

Track investors, ownership records, contributions, documents, and returns.

Active asset
Sandton Commercial Park
12.5%Ownership
8.2%Yield p.a.
R 2 460Last distribution
  • Capital-call management
  • Rental-yield tracking
  • Multi-property asset register
See how it works →

Also availableTwo-person approvals, bank reconciliation, a full audit trail, and email & SMS notifications, depending on your plan.

Keep the Human Record. Make it Verifiable.

Every scheme has a history: who joined, who paid, what was agreed, and what changed. Zeturi keeps that history in one structured record, so members do not have to rely on scattered screenshots, paper files, or memory.

01Source capturedProofs, minutes, notes, and claims stay attached.
02Rule appliedConstitutions and payment rules are used consistently.
03Member view updatedStatements reflect the approved record, not memory.

The everyday activity that keeps a scheme trusted:

  • Contribution recorded
  • Document uploaded
  • Decision captured
  • Claim or payout recorded
  • Member view shared

Proof Is Only Useful When It Connects.

When a member questions a payment or a decision months later, loose receipts and minutes struggle to answer. Zeturi keeps each record tied to the proof behind it, so the answer is already there.

BeforeProof exists, but sits apart.Receipts, minutes, and instructions are hard to connect when questions come later.
SourceRuleApprovalMember View
With ZeturiEach step points back to the same record.Documents, decisions, ledger entries, and statements stay tied together.

Trust and security

Designed With South African Scheme Realities In Mind.
Zeturi Does Not Hold Client Funds.

01
Secure record storage
Scheme records, documents, decisions, and member information are kept in one controlled record.
02
Role-based access
Admins, treasurers, and members only see what their role allows.
Read the full FAQ →

Trust Controls Built In From Day One

Zeturi is a record platform for schemes. It helps your scheme keep structured records, documents, member information, and evidence of decisions without holding client funds.

Designed with POPIA-aware data handling, audit trails, member visibility, and role-based access in mind.

Does not hold client fundsRole-based accessAudit trailsPOPIA-aware handling

Zeturi Is New. The Problem Is Not.

Zeturi was built for the treasurers, chairpersons, and members who keep South African schemes running on notebooks, spreadsheets, bank messages, and trust. The goal is simple: protect the treasurer, inform the member, and give every scheme one shared record.

Pricing

One Plan Per Scheme. Paid From the Pot.

Plans start from R 149 per month for the whole scheme — the scheme pays, not each member. Every new scheme runs free for 60 days; you choose a plan when the trial ends.

View Plans →

From Constitution to Live Record.

Capture the rules once, invite members, then keep the record current as money moves.

Operating recordHow the record comes togetherRules, roles, money movement, and member visibility stay connected.
1

Create Your Scheme

Add the scheme name, purpose, rules, constitution, and key details so the record starts in the right place.

2

Invite Members

Add members, define their roles, and give the right people access to the records they need.

3

Record Activity

Capture contributions, documents, decisions, approvals, claims, and changes as the scheme operates.

4

Share Transparency

Give members a clear view of the records that matter, from balances to decisions and supporting documents.

Free Tools

Try the Tools Before You Sign Up.

Plan your scheme with the free tools first. Generate a constitution, work out premiums, or model contributions and payouts. No account needed.

Useful before you sign up. Stronger once your scheme is live.

Constitution GeneratorCreate a constitution your scheme can adopt, sign, and keep on record.Generate yours free →
Stokvel CalculatorModel contributions and payout turns.Premium CalculatorWork out burial society premiums.Unit Price CalculatorCalculate unit prices for your club.ROI CalculatorEstimate returns on pooled capital.

Questions Before You Start

Answers Before You Sign Up.

Does Zeturi hold our money?

No. Your scheme keeps its own bank account. Zeturi helps you keep structured records, documents, member information, and evidence of decisions.

Can we use Zeturi for an existing scheme?

Yes. You can set up your current scheme and organise existing records over time.

Who can edit records?

Access depends on scheme roles. Admins and authorised officers can manage records; members get a clear view of what applies to them.

Can records be deleted?

Financial and governance records are treated as part of the scheme trail. Corrections should leave evidence, not erase history.

Read the full FAQ →

Make Trust Visible

Give your members one place to check payments, approvals, statements, and rules without chasing the treasurer.

Start Your 60-Day Trial→View Plans →

Start with your existing scheme and organise current records over time.

Zeturi

Your Group's Money, Out of the WhatsApp Group

One shared record for your stokvel, burial society, investment club, or property syndicate. Zeturi keeps the record — your scheme keeps its own bank account.

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Scheme Types

Burial SocietiesStokvelsInvestment ClubsProperty Syndicates

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