For individuals

Personal Savings

One place to save for every personal dream | with mobile money, community support, and disciplined envelopes.

Goal-based Dreams

Name your dream | a car, plot, phone, school fees | set the target and timeline. We break it into daily, weekly, or monthly deposits you can actually keep.

Mobile money wallet

Fund via Airtel Money, MTN MoMo, or bank. Every deposit is receipted and visible in real time in your DreamFund wallet.

FinishLine contributions

At 90%+ share a public FinishLine link so family and friends can chip in to close the gap.

DreamSplit envelopes

Every deposit is automatically split into your goal, an emergency envelope, and an investment pending envelope | so you always build a cushion while chasing the dream.

Wealth Ladder tiers

Climb from Starter to Owner as your deposits grow, unlocking better rates, higher investment tiers, and priority Save-to-Own access.

Dream Score & rewards

Consistent saving builds your 0–1000 Dream Score, streaks, and Dream Coins you can redeem for perks.

How it works

1. Create a Dream, pick a category, add the target and deadline.

2. Deposit via mobile money or bank on any schedule that fits your income.

3. Track progress, unlock milestones, and invite contributors near the finish line.

4. Withdraw to your wallet or move funds into DreamInvest to keep them working.