Modular
Each product stands on its own and connects to the rest. Start with what you need today and add more when you are ready.
A Better Way To Run Your SACCO
Keep members, savings, shares, loans and accounts in one place. Your team sees the whole institution in one place, and every transaction leaves a proper financial record behind it.
Everything your SACCO needs to serve members well
The system your staff run, the connections to banks and mobile money, and the apps your members carry. Every piece works from the same records, so nothing has to be keyed in twice.
Platform
Robust Platform that serves all of your needs.
Payment Rails
Members pay and get paid without a trip to the branch, and every payment lands in the books.
Member Accessibility
Members manage their savings and loans from a phone, and plan their own money alongside.
Building skills
Financial literacy for your members, and skills for your personnel.
We're building the infrastructure you need to empower your community
Configurable
Your products and your bylaws, not a template. Rates, approval chains, channels and courses are yours to set.
Works offline
Staff at the counter, officers in the field and members on their phones keep working when the connection drops. Everything syncs the moment it is back.
Open source
Every product, from the core to the member apps, is open source. No licence fees, no lock-in, and anyone can check how a figure is calculated.
Stronger SACCOs can widen access to finance
For a lot of small businesses, the community down the road is the only lender that will ever look at them seriously. What holds those communities back is often their own records. A manager who cannot see which loans are slipping will lend cautiously, and the members who lose out are the ones who were hardest to lend to in the first place.
Reach underserved communities
Lend where you once said no: youth groups, women's communities, traders without collateral.
Improve the quality of finance
Committees lend on repayment records, and decide in days, not weeks.
Build lasting local infrastructure
Communities own the system and the staff know how to run it. No licence to renew.
The fairest model should not have the worst tools.
For a century, cooperatives have banked the people banks skip: neighbours pool their savings, lend to each other, and answer to no shareholder. Most still run on paper and spreadsheets, because the software is built for banks, priced per seat, and closed. So we built Nucleus the way a cooperative works: free to run, open to inspect, and shaped by the members who use it.
Invest in stronger institutions, not another software rollout
Most digitization grants buy licences that lapse with the grant. Nucleus leaves behind a system communities own, staff who can run it, and the data to show what changed.
What a partnership can measure
- Youth and women members reached
- MSE savings and loans under management
- Enterprises reporting better access to finance
Useful now. Sustainable for the long term.
Made for SACCOs
Nucleus starts with members, shares, savings, guarantors and cooperative lending. These are not add-ons to a system designed for a commercial bank.
Built in Ethiopia
The product is being shaped around how SACCOs operate, how members access services and where digital tools can make a practical difference.
Open at the core
The source is public. Institutions can inspect it, host it and keep access to their own data. Managed services are a choice, not a lock-in.
Ready to connect
Nucleus is built to integrate with a wide range of systems, from national ID (Fayda) to banks, mobile wallets and more. Our roadmap carries a growing list of integrations, added as the platform matures.
Use Nucleus without giving up control.
The same open core can be run in different ways. Start with the arrangement that matches your team, infrastructure and support needs.
Open Source
For teams that want to host and manage Nucleus in their own environment.
Run it yourself.
- No software licence fee
- Full access to the source
- Self-hosted and customizable
Nucleus Managed
For SACCOs that want Nucleus without operating servers or handling upgrades themselves.
Let us manage it.
- Managed deployment and updates
- Backups and monitoring
- Practical support for your team
Enterprise
For larger SACCOs, unions and programmes that need a dedicated environment and deeper implementation support.
Custom
Fit it around your institution.
- Dedicated deployment
- Migration and integrations
- Agreed support and service levels
Frequently asked questions
From the blog
Hear our thoughts on cooperative finance, open software, and what it takes to run a core ledger.
Nothing published yet. Release notes land here first.
Go to the blog