> ## Documentation Index
> Fetch the complete documentation index at: https://docs.digiflecttech.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Save App API: Group Savings, Loans, and Payout Management

> Save App is a REST API for managing savings circles (chamas). Build mobile apps that handle contributions, loans, payouts, credit scores, and savings cycles.

Save App is a backend API for savings circles — known in East Africa as chamas — where members pool money regularly, take loans against their savings, and receive rotating payouts. The API handles the full lifecycle of a savings group: registering admins and members, recording and approving contributions, processing loan requests, tracking credit scores, managing payout queues, and running multi-cycle savings programs.

## What you can build

Save App gives your mobile application everything needed to run a savings group end-to-end:

* **Member management** — register group admins and members, manage roles (admin/member), suspend or reactivate accounts, and track onboarding status
* **Contributions and transactions** — record member contributions, submit transactions for admin approval, and view the full transaction history
* **Loan management** — submit loan requests, check eligibility (up to 3× a member's total contributions), approve or reject requests as an admin, and record repayments with a 5% annual interest rate
* **Payout system** — manage a payout queue ordered by credit scores, execute payouts, and defer remaining funds across cycles
* **Credit scores** — track each member's reliability based on on-time payments, missed contributions, and loan repayment history (score range: 300–850)
* **Savings cycles** — structure the group's activity into discrete periods with contribution due dates, cycle numbers, and end-of-cycle payout execution
* **Analytics dashboard** — retrieve group-level summaries including total balance, active member count, pending approvals, and monthly contribution totals

## Who this API is for

The Save App API is designed for:

* **Mobile app developers** building a client application (iOS or Android) on top of the Save App backend
* **Integration partners** connecting Save App to external payment systems, SMS providers, or financial reporting tools
* **Group admins** using developer tooling to automate reporting or bulk operations for their savings group

<CardGroup cols={2}>
  <Card title="Quick start" icon="rocket" href="/quickstart">
    Register a group, log in, add a member, and fetch your dashboard in four API calls.
  </Card>

  <Card title="Authentication" icon="lock" href="/authentication">
    Learn how to obtain a JWT token and authenticate every request.
  </Card>

  <Card title="API reference" icon="code" href="/api/auth/login">
    Browse every endpoint with full request and response schemas.
  </Card>

  <Card title="Guides" icon="book-open" href="/guides/managing-members">
    Step-by-step walkthroughs for members, loans, transactions, and payouts.
  </Card>
</CardGroup>