Financial infrastructure
for the membership economy.
Stop losing member trust. Whether you run a cooperative, SACCO, savings group, association, union, or any member-driven organization — COPA gives you one platform for managing members, collecting dues, running payouts, tracking contributions, and unlocking lending, savings, and compliance.
- 1,718+
- Organizations
- 317K+
- Verified members
- 30
- Districts in Rwanda
- 99.5%
- Platform uptime
From digitization to a full financial marketplace.
COPA follows a four-stage thesis. We don't build another isolated feature — we build infrastructure that compounds in value the longer an organization uses it.
Replace paper books, spreadsheets, and WhatsApp with one platform. Members, contributions, payouts, and compliance — digital from day one.
Every transaction flows through integrated rails — mobile money, bank transfers, and IremboPay — with full audit trails and reconciliation.
Turn verified production, contribution, and payment data into credit infrastructure for banks, microfinance institutions, and specialized lenders.
A full financial marketplace — savings, lending, insurance, investment products — accessible to every member through COPA.
Five products. One platform.
COPA isn't a single web app — it's a stack of channels that meet members and managers wherever they are: smartphone, feature phone, BLE scale, partner system.
COPA Platform
The web application that runs your organization — members, payments, accounting, compliance, and reporting in one place.
→COPA Mobile
Native apps for managers and members. Offline-tolerant field operations, SMS notifications, and per-role views in one binary.
→CopaWeigh
Bluetooth scales with Ed25519-signed production records. Tamper-proof data capture at the source — no clipboards, no disputes.
→COPA USSD *907#
Members without smartphones still see balances, contributions, and payouts. No internet required, no app installation.
→Staff Portal
For partners that operate multiple cooperatives. One login, one dashboard, federated reporting across the portfolio.
→Developer APIs
Plug banks, MFIs, RRA, RSSB, and partner systems directly into the platform. Webhooks, audit logs, signed payloads.
→Built for every member-driven organization.
The membership economy doesn't end at cooperatives. Every group that pools money, makes decisions together, or owes its members a fair record is part of it.
Cooperatives — every sector
Agricultural, trading, handicraft, transport, housing, worker, consumer, and multi-purpose cooperatives.
Learn moreSACCOs & financial cooperatives
Member accounts, loans, compliance — with BNR/AFR-compatible audit trails built in.
Learn moreIkimina & savings groups
VSLAs, tontines, rotating savings clubs. Manage cycles, contributions, and payouts — without losing the trust the group runs on.
Learn moreAssociations, unions & more
Professional bodies, labor unions, chambers, alumni networks, religious organizations, and clubs.
Learn moreReal organizations. Real members. Real change.
From tea cooperatives in Nyamagabe to SACCOs in Kigali, COPA is the system of record for every contribution, every payout, every loan.
“The system is really helping us do our job efficiently. We update our records day after day with clear data. No more paper confusion.”
“On my phone, when the money arrives, I immediately see a message. If I sell 200 kilos of rice, I see exactly what they deposited. Complete transparency.”
“Technology protects our members. Every share, every crop, every profile is safely stored. Any information we need, we find it instantly.”
Ready to see COPA in action?
30-minute demo, customized to your sector and the way your organization actually runs.