Snoko

A contribution only counts once someone else has seen the proof. Members upload a photo or PDF of the payment, and the pot's reviewer approves it or rejects it with a reason. When the person who created the pot pays in, the review goes to a random other member, so whoever runs the pot can't sign off their own money.

Before anyone reviews it, the phone reads the proof. Text recognition runs on the device, ML Kit on Android and Apple Vision on iOS, and pulls every rand amount off the slip in integer cents, whether the bank wrote R1 234,56, R1,234.56 or R1.234,56. If none match what the member typed, the reviewer sees a warning. It's advice, not a verdict: a person still decides.

The simplest way to prove a balance would be to hold it. We chose not to. Moving members' money through the app would make Snoko a regulated payment provider, and put one more party between a group and its cash.

So payments go from members' own bank accounts, the way they always have, and Snoko keeps the record: live balances, a full activity feed and a PDF statement of any pot, or any one member's share, whenever someone asks for it.