Pooled family remittances with group voting on project spends.
Diaspora Nigerians' remittances intended for specific family projects like home construction are frequently misused by relatives for other needs, resulting in stalled projects, financial losses, and broken family ties.
Multiple diaspora relatives pool funds into a shared vault for one project. Group votes approve recipient withdrawals based on proof. Prevents single misuse, enables collective oversight, and strengthens family collaboration.
Nigerians living in the diaspora (e.g., in London, Houston) sending remittances to family in Nigeria for construction and specific projects
Multi-sender pooling + democratic voting for high-value family projects like homes.
professional
Sender invites family to pool funds.
Multiple Stripe deposits to shared pot.
Recipient requests with proof; family votes.
Set % majority or quorum rules.
Shared real-time balance and history.
Immutable vote and spend records.
Vote via WhatsApp integration.
Proportional contribution tracking.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| name | text | No |
| balance | int | No |
| vote_threshold | int | No |
| recipient_phone | text | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| vault_id | uuid | No |
| user_id | uuid | No |
| amount | int | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| vault_id | uuid | No |
| amount | int | No |
| proof_url | text | Yes |
| approved | bool | No |
| votes_yes | int | No |
Relationships:
/api/vaultsCreate vault
/api/vaults/:id/contributeAdd contribution
/api/requests/:vaultIdSubmit withdrawal request
/api/requests/:id/voteCast vote
$1k balance
$50k
Unlimited
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 4% | $144 | $1,728 |
| Month 6 | 1,000 | 7% | $2,100 | $25,200 |
Collaborative vault prevents misuse in big projects like home builds.
Target family groups in 'Naija Village' FB communities; Offer beta to multi-sibling LinkedIn connections; Host Twitter space on remittance pains.
Expense splitting
No escrow/voting for projects
Vault + voting for large remittances
Payouts
No group controls
Family governance
Network effects from family invites + pooled data insights.
Growing multi-diaspora families + Web3-inspired DAOs influencing group finance.
Families prefer direct sends
Educate via content
Dispute resolution
Clear ToS + arbitration
Success: 5 want access
Success: 20% referral rate
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