AI-Powered · WhatsApp-Native · No App DownloadFinancial Governance
for Your Community
Group, on WhatsApp
StewardAI brings full financial transparency to cooperative societies, alumni unions, and community groups. Every payment announced. Every withdrawal approved by the community. No cash handling. No single point of trust.
No exco member can withdraw a single naira without 5 independent approvals from the community — enforced automatically.
No cash handling
All contributions via Paystack
Full visibility
Every payment announced instantly
5-vote approval
Any withdrawal needs community consent
Sunshine Cooperative ✨
28 members · StewardAI active
Running total: ₦847,500
Ada Nwosu · 9:04
Tunde Bello · 9:05
2 more needed to release funds.
Transfer confirmed
₦80,000 · Auto-sent
AI Fraud Check
Risk: Low ✓
Built for Nigerian community groups
Seven ways StewardAI governs
your community funds
All abilities work inside one WhatsApp group. No app downloads. No technical knowledge required from any member.
01
Financial Transparency
Every payment via the association's Paystack link triggers an instant group announcement with a running total. Any member privately messages #statement at any time to receive a PDF of recent inflows and outflows. No hidden transactions — ever.
What members see in the group:
02
Community-Approved Withdrawals
When an executive wants to make a withdrawal, the bot posts it to the group for up to 5 member approvals before a single naira moves. One rejection kills the request immediately. Once the approval threshold is met, the bot triggers a Paystack bank transfer automatically — no manual handling.
Exco sends one message:
03
Member Directory & Networking
Members build a live professional database by typing a simple command. Anyone can search for members by profession and city, and receive matching contact details privately — turning the WhatsApp group into an active professional network.
To find a member:
04
Secure Elections & Governance
For elections and major decisions, StewardAI sends each verified member a private ballot. Only financially active members who have paid their dues are eligible to vote — enforced automatically against the dues ledger. Results are published as a tamper-proof PDF with total votes, participation rate, and timestamps.
Members receive privately:
05
Engagement & Welfare
StewardAI keeps the group alive between events by wishing members happy birthday from the member database. When a member is bereaved, ill, or celebrating a milestone, the bot creates a dedicated sub-wallet so contributions are tracked separately with a live running total posted in the group. Monthly dues nudges are sent privately.
Automated welfare campaign:
06
Birthday Giveaway
A celebrating member deposits ₦30,000 into the association sub-wallet and StewardAI runs the entire giveaway automatically — one prize per phone number, only dues-paying members are eligible. Zero bias and a full audit trail from start to finish.
Giveaway is fully automated:
07
Archival Memory
Members type /docs to instantly receive any official association document — constitution, meeting minutes, project proposals, or financial reports — without scrolling through years of group history. During reunions, members check in via the bot to generate a clean timestamped attendance list that syncs to Google Sheets.
Any member can type:
Three roles. One WhatsApp group.
Zero spreadsheets.
StewardAI works for every person in your community — from regular members to executive officers to the group administrator.
For Members
- →Contribute via the Paystack payment link shared in the group
- →Receive an instant group announcement confirming payment
- →Type BALANCE at any time to see the community's financial position
- →Vote APPROVE or REJECT on any withdrawal request
For Exco
- →Register your bank account once via a WhatsApp command or secure form
- →Request a withdrawal: WITHDRAW 50000 anniversary payment
- →The bot posts the request to the group and collects votes
- →Once 5 members approve, the transfer initiates automatically
- →One rejection from any member kills the request immediately
For Super Admin
- →Add or remove exco members via authenticated WhatsApp commands
- →Access a full audit trail of all contributions, withdrawals, votes, and transfers
- →Receive private AI alerts for fraud risk or community tension
Natural language. No commands to memorise.
Members don't need to remember exact syntax. StewardAI understands plain English and Nigerian Pidgin equally well.
Not just a command bot —
an intelligent assistant
Four AI capabilities set StewardAI apart. They run automatically so your group benefits without lifting a finger.
01
Natural Language Commands
Members type naturally in plain English or Pidgin — no commands to memorise. "I want to take out 50k for the anniversary" works just as well as any formal syntax. This dramatically lowers the barrier to adoption across all age groups.
"I want to take out 50k for the anniversary"
02
AI Fraud & Anomaly Detection
Every withdrawal request is analysed by AI before it is posted to the group. The AI checks withdrawal history, frequency, amount relative to community balance, and reason patterns. Suspicious requests are flagged with a risk level and posted with a warning.
"⚠️ Risk Level: MEDIUM — unusual frequency detected"
03
AI Financial Secretary
On the first day of every month, the bot automatically generates and posts a warm, human-readable financial report — contributions received, withdrawals made, current balance, and a plain-language summary. No manual bookkeeping needed.
"📋 March 2026 Report: ₦340K in. ₦80K out. Balance: ₦1.24M"
04
Member Sentiment Analysis
The bot monitors group conversation tone weekly. If it detects rising tension, hostility, or finance-related conflict in messages, the super admin receives a private alert — allowing leadership to intervene early before disputes escalate.
"⚠️ Elevated tension detected in the last 48hrs"
Built-in Safeguards
Your funds are protected
at every step
Every edge case has been considered and locked down. StewardAI enforces governance rules that even the most trusted exco member cannot bypass.
No single-person withdrawal
Requires 5 independent member approvals
No self-approval
Exco cannot vote on their own withdrawal request
No duplicate voting
System blocks double votes per member
No unverified transfers
Bank account verified via Paystack before activation
No pending double-dip
Exco cannot raise a second request while one is pending
Automatic bank transfer
Funds move directly via Paystack API — no manual handling
Full transfer audit
Paystack webhook confirms; bot announces result in group
Platform Guarantees
Metrics you can hold us to
What community leaders say
“Before StewardAI, our treasurer held all the power. Nobody knew what was really in the account. Now every payment is announced in the group the same second it lands. The whole cooperative trusts the system.”
Ngozi Eze
Secretary, Enugu Teachers Cooperative
“We had a messy situation two years ago where an exco member moved funds without approval. That can never happen again with StewardAI. 5 people must say yes before anything moves. It's a complete game changer.”
Tunde Adeyemi
Chairman, Ijebu Old Boys Association
“The birthday giveaway feature alone makes our group more active than it's been in 10 years. Members who never posted now engage weekly because of the giveaways. And the AI secretary saves me 3 hours every month.”
Amaka Obi
Admin, Sunshine Women's Cooperative
Ready to govern your
community funds properly?
Set up StewardAI in your WhatsApp group today. No app download. No technical setup. Your community will have full financial visibility from the very first payment.