MOTUYA, Your New Budget Companion

Most of us know the feeling: money comes in, and before the month is over it has quietly gone out again. School fees, rent, a family event, a business restock. The big expenses always arrive on a date, but our savings rarely do.

Motuya was built around that idea. Instead of an open-ended savings pot, you choose a plan with a fixed term and a fixed return: 10% after 30 days, 21% after 60 days or 35% after 90 days. The day you invest, you see the exact amount you'll receive and the date it lands in your balance.

That makes Motuya a budgeting tool as much as an investment. If school fees are due in three months, put the money in a 90-day plan today and it comes back larger, right on time. If you're saving towards something sooner, a 30-day plan keeps the money out of reach of everyday spending while it grows.

Getting started takes a few minutes. Create a free account, deposit from 10,000 XAF with MTN Mobile Money or crypto (USDT, Bitcoin or Ethereum), then pick your plan. Your dashboard shows every investment, how many days are left and what it will pay.

Plans are designed to be held to maturity. If you really need your money early, you can request an early withdrawal; it carries a penalty equal to the plan's rate, so it's best to choose a term that matches when you'll need the money.

We're launching in Cameroon first, with more payment options on the way. Welcome to Motuya.