Join the stokvel
Register with a member’s referral code and pay the R50.00 joining fee to the stokvel’s official account. Your spot is activated once your payment is approved.
A 3×3 community stokvel — join for R50.00
Build your wealth, together.
Invite three people, help them invite three more, and when your 3×3 matrix is full the stokvel pays you out. Simple, transparent, community-powered.
- No monthly deductions — pay only when you grow a level
- Everyone pays into one central account
- Friday payouts when the stokvel is profitable
How it works
Three steps to your full matrix
The plan rewards teamwork. You grow by helping others grow.
Build your 3×3
Invite up to 3 people directly. When your direct line is full, new recruits spill into your downline so the stokvel stays balanced and everyone is supported.
Get paid on Fridays
Upgrade through the levels as your matrix fills. Once your full 3×3 matrix is complete, the admin pays out your share every Friday the stokvel is profitable.
The 3×3 matrix
Everyone helps you grow
Your matrix holds up to 3 people under your first line, and 9 under them — a team of 13 built one link at a time.
You
Recruit 1
Recruit 2
Recruit 3
Line 2 slots
3 each × 3 = 9
Spillover seats
Extras flow down
Shared growth
13 people in total
Membership plan
Grow level by level
One-time fees per level. No subscriptions, no hidden costs.
Level 1
R50.00
Joining fee
- Activates your spot in the matrix
- Your own referral code
- Full dashboard access
Level 2
R150.00
Upgrade fee
- Unlocks your direct line of 3
- Enables deeper spillover placement
- One step closer to payout
Level 3
R1,000.00
Upgrade fee
- Completes your full 3×3 matrix
- Puts you in the Friday payout queue
- You receive payouts when profitable
All fees are paid to the stokvel’s central account and approved by the admin. Members never pay each other directly.
Invite & earn
Your code is your growth engine
After joining you get a personal referral code. Share it with friends — every approved recruit strengthens your matrix and moves you toward a completed level.
- Your recruits appear under you instantly
- Full matrix stays balanced via spillover
- Payments are verified by the stokvel admin
Ready to become a member?
Join for R50.00 and get your referral code today.
Join now — R50.00 I’m already a memberFAQ
Common questions
What is a 3×3 matrix stokvel?
A savings circle where every member invites up to three people. Those people invite three more, forming a balanced 3×3 structure below each member. When your full depth is active, you qualify for the payout queue.
How much does it cost to join?
Level 1 is R50.00. Level 2 is R150.00 and Level 3 is R1,000.00 — each paid once when you grow to that level.
Where does my money go?
Every fee is paid into one central stokvel bank account. Payments are verified by the admin before your level is approved. Members never send money directly to each other.
When do I get paid?
Once your full matrix is complete you enter the payout queue. The admin processes payouts every Friday when the stokvel has profit available.
What happens if I invite more than three people?
You can only hold up to 3 people in your direct line. Extra recruits spill over into your downline so no one is left waiting and the matrix stays balanced.
Your community is waiting.
Join today, invite your people, and grow together.
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