Financial infrastructure for the membership economy.
COPA is the operating and settlement layer for cooperatives. Production, obligations and payouts run through one system, so every kilo weighed in the field becomes a traceable payment on a member's phone. Built for Rwanda's 12,000 cooperatives and their 5.5 million members.
Built to interoperate with Rwanda's institutions, not replace them.
COPA connects to the regulators, payment rails and pension and tax systems cooperatives already report to — so compliance and settlement happen inside the same workflow.
Banks, federations, and government agencies already build on COPA. Get a 30-minute walkthrough tailored to your sector — no slides, just the platform doing real work on your kind of data.
From digitized records to financial infrastructure.
Each stage compounds on the transaction data the last one produced. Software creates the records; the records become payment rails; the rails become credit; credit becomes a marketplace. The operating position deepens the longer a cooperative runs on COPA.
Real money already runs through COPA.
Not projections. Live operating data from cooperatives running their real payment cycles on COPA between May and September 2026.
Operating figures from live cooperative cycles — not audited financial statements. Member counts are not de-duplicated across cooperatives.
The same cooperatives come back, cycle after cycle.
Two operating cadences — one monthly, one weekly — show COPA embedded in routine operations, not one-off pilots. 15 of the 16 reports come from cooperatives running repeat cycles.
The strongest proof isn't a registration count — it's repeated operational dependence.
Public and private obligations already ride the same base.
Across the cooperatives on COPA, ordinary operations already carry pension, tax, lending and insurance obligations — recorded as deductions inside the workflow, not bolted on after.
COPA's workflow can carry institutional obligations inside ordinary cooperative operations.
A formal revenue contract with every institution listed — these are observed deductions, not signed partnerships.
The system behind those numbers.
Not mockups — the screens cooperative managers use to record production, run payouts and read their financials.
Every member, verified at the source.
A single register of who participates — identity confirmed against NIDA, contributions and history attached to each person.
Gross to net, with every deduction applied.
Production is priced, obligations are deducted and each member's net position is settled — the same cycle that produced RWF 19.64M in a single COTHEGAB payout.
The whole cooperative, at a glance.
Production trends, obligations and settlement history in one view — the record institutions and lenders can build on.
Five products, one system of record.
Web, mobile, USSD, connected scales and APIs — every channel a cooperative and its members already use, writing to the same ledger.
COPA Platform
The web application cooperatives actually run on — members, production, payouts, accounting and compliance writing to one ledger. Everything below feeds into it.
Cooperatives are the anchor. The same rails extend.
Rwanda's 12,000 cooperatives and their 5.5M members are the core market. The same system of record runs SACCOs, savings groups, professional associations and unions — any institution that organizes members, money and obligations.
Cooperatives — every sector
The anchor market: agricultural, trading, handicraft, transport, housing, worker, consumer and multi-purpose cooperatives — where production, obligations and payouts all meet.
What operators say after running real cycles on COPA.
On my phone, when the money arrives, I immediately see a message. If I invested 200 kilos of rice, I immediately see the money equivalent. If they remove the cooperative contribution, I immediately see the contribution is gone.
The system is really helping us do our job efficiently. It helps us in collecting and updating the data of our cooperative — clear data, day after day.
The cooperative properly protects the property of its members — the way of collecting shares, crops, and profiles.
Put your cooperative on infrastructure built for its money.
See COPA run a real cycle on your kind of data — production, deductions and member settlement, end to end. A 30-minute walkthrough, not a slide deck.