Everything your group needs to thrive.
Kintro combines bank-grade security with the ease of a messaging app — so your group can save, spend, and stay in sync without the awkwardness.
Multi-Sig Withdrawal Protection
No single person can ever move the group's money alone. A configurable threshold of biometric approvals is required before any payment executes — eliminating the risk of a rogue treasurer entirely.
Bank-Grade Encryption
All data is protected with AES-256 encryption at rest and TLS 1.3 in transit. Transaction signing uses HMAC to prevent any tampering mid-flight.
Biometric Strong Customer Auth
Every withdrawal and sensitive setting change requires Face ID or fingerprint re-authentication — on top of the Multi-Sig threshold. No passcode fallback for payments.
Immutable Audit Logs
Every action — who viewed the pot, who approved a payment, who sent a nudge — is timestamped and locked for 6 years. Export-ready for HMRC and group meetings.
Ring-Fenced Safeguarding
Group funds are held in a safeguarded account at a regulated UK banking partner — completely separate from Kintro's operating funds. Your money is never at risk from Kintro's own finances.
Bank-Agnostic Open Banking Payments
Members pay in from any UK bank — Barclays, Monzo, Starling, HSBC — all in one tap. No sort codes, no account numbers, no manual transfers. Works with ~99% of UK bank accounts via PISP.
Variable Recurring Payments
Set and forget your monthly contribution. VRP automatically pulls your share on the agreed date — no manual action, no forgotten payments, no awkward reminders needed.
Virtual Group Card
Unlock a virtual card directly from the pot balance — no withdrawal needed. Multi-Sig approval unlocks the card for a specific amount, so the group can spend at any merchant instantly.
Interest on Pot Balances
While your group's money sits in the safeguarding account, it earns interest. The majority is passed directly back to your pot — with full transparency in every monthly statement.
Role-Based Access Control
Organisers get the full management dashboard. Members get complete transparency — they can see everything but can't move funds unilaterally. Clear roles, zero confusion.
Real-Time Pot Dashboard
The pot balance, individual contributions, and progress towards the goal update in real time. Every member sees the same live picture — no one is left in the dark.
Magic Link Invites
Share a single link via WhatsApp, Slack, or email. Contributors can see the pot progress and make a payment without downloading the app — reducing drop-off to near zero.
The AI-Powered Nudge Engine
Kintro handles the social friction of chasing late payments so you don't have to. A fully automated sequence of friendly, timed reminders keeps every member on track — from a heads-up 2 days before, to a social accountability nudge 5 days overdue.
Monthly PDF Statements
Auto-generated monthly statements showing opening balance, each member's contributions, interest earned, and closing balance. HMRC-ready and perfect for Chama meetings.
Digital Group Agreements
Formalise the group's rules at the start. Members digitally sign a group agreement covering contribution amounts, withdrawal rules, and dispute resolution — all within the app.
Zero Credit Score Impact
Kintro's Zero-Association Model means no financial link is ever created between members' credit files. Joining a group pot will never affect your mortgage application, credit cards, or borrowing ability — regardless of who else is in the group.
Tiered Identity Verification
A risk-proportionate KYC approach: basic name and address verification for pots under £1,000, with enhanced photo ID and liveness checks for higher-value groups. No unnecessary friction for casual savers.
UK Data Residency & GDPR
All personal data is stored exclusively on UK-based servers, fully compliant with UK GDPR. Kintro is registered with the ICO. Your data is never transferred outside the UK without explicit consent.
Lost Phone & Deadlock Protocols
Structured recovery flows ensure funds are never permanently locked. Lost device? Re-verify on a new phone. Group deadlock? Kintro's supervised resolution process returns every member's share safely.