South Africa's First Digital Stokvel

Experience the power of community saving with higher investment returns, PLUS earn from lending interest when members borrow from the collective pool, all managed safely and transparently through regulated digital systems.

What is a Digital Stokvel?

MyWealth Hub's Digital Stokvel revolutionizes the traditional South African savings club by combining the community spirit of stokvels with modern digital security and professional financial management. Unlike traditional stokvels that rely on cash handling and individual treasurers, our platform uses digital systems to ensure complete transparency, security, and higher returns for every member.

Members contribute monthly amounts that are pooled together for collective investments, earning tax-free returns that surpass typical bank savings rates. What makes our system truly revolutionary is the internal lending feature - when members need to borrow from the collective pool, the interest they pay is distributed among ALL active members, creating additional income streams that traditional stokvels simply cannot offer. Every transaction is digitally tracked, democratically approved, and professionally managed for complete peace of mind.

For further reading and clarity on the program. Click below to learn more.

Why Join our Digital Stokvel? +

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Earn Money in 4 Different Ways

Multiple income streams working together to maximize your financial growth

Investment Returns

Higher returns than bank savings through tax-free collective investment structure

+R180/month

on R2,000 investment

Lending Interest

Earn interest when members borrow from the collective pool traditional stokvel power!

+R150/month

from member loans

Group Discounts

Larger collective investments unlock better rates and benefits for everyone

Better Rates

through collective power

Referral Income

Earn commissions for helping others join - your investment could become FREE!

+R500/month

help 5 friends join

For further reading and clarity on the program. Click below to learn more.

How Stokvel Members Also Earn as Ambassadors & Entrepreneurs +

Revolutionary Internal Lending System

Just like traditional stokvels, but safer! Members can borrow from the collective pool, and the interest payments benefit ALL members - not just one treasurer.

1

Member Applies to Borrow

Any member can apply to borrow from their own accumulated funds plus available collective pool

2

Members Vote Democratically

All members vote on loan approval, interest rate, and repayment terms through the digital platform

3

Safe Digital Transfer

Approved loans are transferred directly to member's bank account - no cash handling risks

4

Interest Benefits Everyone

Monthly repayments with interest are distributed proportionally to all active members

Real Example: Member Loan

Loan Amount

R50,000

15% annual interest

Total Interest

R7,500

paid over 12 months

Each Member Earns

R150

among 50 active members

For further reading and clarity on the program. Click below to learn more.

Crowd-Funding & Stokvel Loans : Turning Surplus Into Capital +

Safe & Regulated Unlike Traditional Stokvels

Gayede Bluestar
authorised by Sanlam (sponsored)

All funds managed under Sanlam's regulated, professional oversight - your money is protected by one of South Africa's most trusted financial institutions.

Full Transparency

Every transaction, loan, and interest payment tracked digitally in real-time - no hidden activities or surprise deductions from your contributions.

Individual Protection

Your contributions are yours - tracked separately while benefiting from collective power. No risk of losing money due to other members' decisions.

For further reading and clarity on the program. Click below to learn more.

Tax-Free Investment (TFI) : Your Wealth Foundation +

Why Digital Stokvel Beats Traditional!

Traditional Stokvel Risks

  • Cash handling risks and theft
  • Treasurer mismanagement possibilities
  • Low bank interest rates (5-7%)
  • No transparency in transactions

Digital Stokvel Advantages

  • 100% digital safety - no cash handling
  • Professional Sanlam oversight
  • Higher investment returns (tax-free)
  • Complete real-time transparency
  • Limited lending options
  • Single treasurer controls everything
  • Manual record keeping errors
  • No regulatory protection
  • Democratic lending system
  • All members vote on decisions
  • Automated digital tracking
  • Full regulatory compliance

For further reading and clarity on the program. Click below to learn more.

Why this Digital Stokvel Program is Unique +

Your Monthly Earnings Potential

See how a R2,000 investment grows into substantial monthly income

Monthly Income Breakdown

Investment Returns
+R180
Lending Interest Share
+R150
Referral Commissions
+R500
Total Monthly Earnings: R830

Annual Growth

498%

Return on Investment

Your R2,000 investment generates R830 monthly = R9,960 annually

For further reading and clarity on the program. Click below to learn more.

Understand Your Referral Commission +

Putting It All Together
Stokvel Total Package

Example — Active Stokvel Member with Ambassador + Entrepreneur roles:

Tax-Free Investment Referral Income:
R95, 650/year
TFI Contribution:
R36,000/year
Surplus into Loans (24% return on R60k):
+R14,400/year
Net TFI + Loan returns: R74,400/year
+R14,400/year
Membership Referrals (Ambassador role):
+R156,000/year
Product Sales Profit (Entrepreneur role, base scenario):
+R5,054,400/year
Grand Total Potential: R5,284,800/year

Start Your Wealth-Building Journey

1

Join Free Trial

Sign up for your 3-month free trial and explore all the features risk-free

2

Connect & Learn

Join your stokvel group, meet fellow members, and complete the orientation program

3

Start Contributing

Begin your monthly contributions and watch your collective investment grow

4

Earn & Grow

Enjoy multiple income streams and watch your wealth multiply month after month

Start Free Trial

Sponsored by

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