Preserving the strength of the tontine.
Building a bridge to Africa and the financial services of tomorrow.
A valuable practice, with very real limits.
Tracking contributions and chasing payments by hand leads to oversights and tension.
The informal framework does not protect participants against the tontine failing or against theft.
The lack of fund traceability keeps these savings out of the traditional financial system.
Togethrust: the digital, secure and legal tontine.
Togethrust is a regulated fintech, registered with ORIAS. We don't replace the tontine: we modernise it. Automated payments, digital contracts, a complete record of every contribution: each tontine becomes traceable, and that traceability is designed to be legible and recognised by financial players. Trust between members stays at the heart of it; the framework is there to secure it.
The team
Tamio Ngoma
CEO and co-founder
ESCP, INSEEC
« The tontine helped finance my move to France for my studies. I grew up with this practice; I know its value. But I also saw its fragilities, and a paradox I couldn't accept. That's where Togethrust was born. »
LinkedIn
Frédéric Lowe
COO and co-founder
Mines, Dauphine, HEC
« The tontine has a positive social impact, enabling diaspora communities to finance life projects. With Togethrust, I want to help maximise it, using technology as a lever. »
LinkedIn
Khaled Souf
CTO and co-founder
ENI Carthage
« Behind every tontine round, there's a family counting on us: our technical rigour isn't an engineer's luxury, it's a responsibility. »
LinkedInBeing the bridge to Africa and the financial services of tomorrow.
We want to preserve what makes the tontine strong, trust and solidarity, and give it the transparency, security and recognition it still lacks. Our ambition: to turn these collective savings into a bridge between diaspora communities, Africa and the financial services of tomorrow.