Empowering the Leaders Who Keep Nigerian Cooperatives & Osusu Circles Alive.
For generations, Nigerians have built homes, paid school fees, and grown businesses by pooling funds together. Copaddy gives Cooperative Excos and Osusu Coordinators the digital automation and debt-recovery shield to protect that tradition.
Empowering Members Starts With Empowering the Cooperative Administration.
Across Nigeria — from corporate offices in Lagos and Abuja to parish societies in Port Harcourt and market unions in Onitsha and Warri — workplace cooperatives and Osusu circles are the true financial engine of our people.
When commercial banks demand impossible collateral or 32%+ interest rates, community cooperatives step in. Yet the Presidents, Secretaries, Treasurers, and Coordinators running these groups have been left to suffer with manual Excel sheets, WhatsApp screenshot chaos, and borrowers telling "stories that touch" when loan repayments are due.
Copaddy was built to take that burden off your shoulders. We give your Exco automated salary-day standing orders, BVN credit screening, scheduled SMS/WhatsApp reminders, and 1-click AGM dividend reports — so your cooperative can scale into tens of millions with zero bad debts.
Total Control for Excos. Total Clarity for Members.
"Being elected to lead a workplace, church, or community cooperative should be a position of honor — not an unpaid second job spent chasing late payers or fixing broken spreadsheets."
Proudly Nigerian Built
Headquartered in Delta State • Serving Cooperatives Nationwide
99.4%
Loan Recovery via Auto-Debit
100%
Auto-Reconciled Member Ledgers
5 Mins
To Create & Configure a Co-op
₦0
Upfront Software License Fee
Four Commitments to Every Cooperative & Osusu
Every feature in Copaddy is engineered to protect your treasury, eliminate manual bookkeeping, and preserve community trust.
Zero Bad Debts by Design
We combine BVN/NIN identity checks, platform-wide credit history, automated payday standing orders, and polite SMS/WhatsApp reminders so no borrower can disappear with group funds.
Auto-Ledgers Over Exercise Books
Every contribution, loan repayment, and dividend yield reconciles in real time. Excos save 30+ hours a month, and members see every kobo on their phone.
Regulated Bank Custody
Cooperative and Osusu funds sit in dedicated CBN-licensed, NDIC-insured partner bank vaults — never in an individual coordinator's personal account.
Your Bylaws, Enforced by Code
Set your own savings frequency, 2x or 3x loan multipliers, interest rates, and multi-Exco approval rules. Copaddy enforces them fairly without favoritism.
Ready to Digitize Your Cooperative or Osusu?
Create your cooperative workspace in minutes or book a free 15-minute walkthrough with our onboarding team to migrate your existing member balances.