Hi all, I built Zamu for Cycle III. A chama is a rotating savings group: everyone puts in the same amount each week or month, and one person takes the whole pot each round until everyone has had a turn. In Kenya they usually run on trust, a WhatsApp group and one treasurer who holds the cash. Zamu takes the treasurer out. Inside Nimiq Pay, each member taps Pay on their share. Nimiq Pay pays a Lightning invoice with NIM or USDT (payLightningInvoice), and the shillings arrive in the recipient's M-Pesa. A share only shows as paid when the M-Pesa receipt code comes back, and the whole group can open every receipt. Also in it: - everyone signs the chama agreement (order, amount, schedule) with nimiq.sign(), verified on the server - an optional rule skips a member's turn until they've paid everything they owe - on-time records for each member - keep NIM staked for your next shares - English and Swahili - a demo chama for anyone outside Kenya, no money involved Open it in Nimiq Pay: Mini Apps → Custom URL → zamu.prashantthakur.dev Video: https://youtu.be/l7_HeIk76Ig Code (MIT): https://github.com/Prashant-thakur77/Zamu Feedback very welcome, especially from anyone who's in a chama. If you want to try a real round, reply and I'll share an invite code.