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One banker runs the plan. Members send in, upload proof of every transfer, and the banker approves or rejects in the open. Buy iPonly once — no monthly fees, no cuts from the pot.
iPonly turns paluwagan-style saving into something you can trust without babysitting a spreadsheet. One banker holds the pot, everyone else contributes with proof, and the app quietly keeps score. Four principles hold it together.
Every plan has a single banker who holds the pot and runs the flow. Members contribute, the banker manages — no committee, no lost threads in the group chat, no arguments over who paid what.
Members send money to the banker's account, upload proof of the transfer, and the banker approves or rejects it. The trail is public inside the plan — trust isn't a feeling, it's a timestamp.
iPonly is a one-time purchase, not a subscription. Pay for the app once and the plans, receipts, dues and loans stay yours — the pot never funds our office.
Save on your own, split with one other person, or rotate with a full circle. The same clean plan shape scales from a two-person envelope to a twelve-person paluwagan.
Five simple pieces do the work. No committee, no group-chat archaeology, no spreadsheet juggling — just the flow you already know, kept honest by the app.
Solo, duo, or multi. The same clean plan shape scales from a two-person envelope to a twenty-person paluwagan, without turning into a spreadsheet.
Members upload proof of transfer. Bankers approve or reject with one tap. The trail is timestamped inside the plan.
The pot knows who's contributed and who owes. No screenshots buried in the group chat.
Interest, repayment, and running balance tracked without a side spreadsheet — always current for the banker and the borrower.
Outstanding
₱ 8,240.00
Every approval, rejection, and edit is logged, filterable, and permanent. Audit-ready by default.