STEP 1: Create A Tribe
How To Create A Tribe
- Sign in to your PocketMoni app.
- Tap MoniTribe.
- Tap Create a New Tribe and add your Tribe name and description.
- Tap Create Tribe.
MoniTribe How-Tos
Saving money with other people can be stressful.
You worry about trust. You wonder if everyone will pay what they agreed to. And sometimes, you're not even sure if you'll get your money back.
We understand that feeling. That's why we built MoniTribe.
MoniTribe is designed to take the stress out of saving and spending together and put you back in control of your money. You can create a tribe or join one. It's totally up to you.
No chasing. No confusion. Just peace of mind.
Let's show you how it works.
What is MoniTribe?
MoniTribe is a feature on PocketMoni that allows you create or join a tribe, agree on how much everyone contributes, and see all activity in one place.
You can:
- Create or join a tribe
- Agree on how much everyone contributes
- See all activity in one place
Everyone can see who has paid and what the money is for. And if you ever decide to leave a tribe, your money is automatically returned to your PocketMoni account.
Step 2: Set Contribution Rules
Do members need to pay a fixed amount?
If Yes:
- Enter the amount
- Choose how often members should pay:
- One-time
- Recurring
If Payment Is One-time:
- Set the start date and end date.
- Choose a withdrawal type:
- Peer Approval – selected admins approve every withdrawal.
- Random Approval – random tribe members approve withdrawals (up to 7 members).
- Add at least one admin (besides yourself).
- Create your tribe. 🎉
If Payment Is Recurring:
- Choose how often members should pay:
- Daily
- Weekly
- Monthly
- Yearly
- Custom (set what works for your tribe)
- Choose a start date.
- Select a withdrawal type.
- Add at least one admin (besides yourself).
- Create your tribe. 🎉
If No Fixed Amount:
You’ll be asked a few follow-up questions.
Is there a minimum amount everyone must pay?
If Yes:
- Enter the amount.
- Choose payment type (one-time or recurring).
- Follow the steps above.
If No:
- Indicate if there is a goal amount.
- If yes, enter the amount.
- Set the start date and end date.
- Choose a withdrawal type.
- Add at least one admin.
- Create your tribe.
Adding Members To Your Tribe
Admins and creators can add members by:
- Selecting from contacts, or
- Entering a PocketMoni account number directly.
You don’t need to save the number as a contact to add someone.
Important Notes
- A tribe can run for a maximum of 1 year.
- All members must be PocketMoni users.
- At least one admin (besides the creator) is required.
- If anyone leaves a tribe, their money is returned automatically to their PocketMoni account.
How To Join A Tribe
- You’ll receive an email and in-app notification when you’re invited to a tribe.
- Tap the notification to view the tribe details and terms.
- Tap Join Tribe.
- Choose how your name will appear — your real name or a nickname.
- Tap Proceed.
That’s it. You’re in! 😊
How To Fund A Tribe
- Open your PocketMoni app.
- Go to MoniTribe.
- Open the tribe you want to contribute to.
- Tap Fund and complete your payment.
Your contribution will reflect instantly.
How To Track Tribe Activities
On your tribe dashboard, you can see:
- All transactions
- List of members
- Who has paid and who hasn’t
- Admins and creators can see payment status for every member.
Everything is transparent. Nothing is hidden.
Disbursement & Withdrawal
How Disbursement Happens
Disbursement can happen in three ways:
- Full contribution reached When the target amount is reached, you can choose to withdraw or extend the goal.
- Deadline reached When a tribe reaches its deadline, contributions can be withdrawn, returned, or the tribe can be extended.
- Manual withdrawal The creator or any member of the tribe can choose to withdraw money at any time.
Approvals
This depends on what was set when the tribe was created:
- Admins only approve withdrawals, or
- Random members are selected to approve.
How Money Is Sent
The full amount can be:
- Sent to one account, or
- Split and sent to multiple accounts at once.
Charges
A small fee applies to every disbursement.
How To Close A Tribe
- Creators or admins go to Settings.
- Tap Close Tribe.
If the goal is abandoned, all the money in the tribe's wallet is automatically returned to members.
No chasing. No stress.
Tribe Settings Overview
You can edit:
- Tribe name
- Description
- Wallpaper
You cannot edit:
- Goal amount
- Payment rules
How To Extend A Tribe (This process will change based on the feedback we gave the team)
- Open your MoniTribe dashboard.
- Tap Settings.
- Besides the tribe deadline, tap Extend.
- Choose a new end date.
- Your tribe continues without losing progress.
MoniTribe FAQs
MoniTribe is a PocketMoni feature that lets you save and spend money together with people you trust. You can create or join a tribe, agree on contributions, and see all activity in one place.
Anyone with a PocketMoni account can create or join a tribe. However, to create a tribe, your account has to be at least a Silver Tier account, members or others that join can be on any tier
Not quite. MoniTribe is built for saving and spending together, not solo saving. It’s perfect for things like a girls’ trip, bulk shopping, or your estate or group dues — anywhere money is better handled as a group. However, we have a solo spending/saving feature coming up soon that allows you to split money in different personal tribes to spend or save.
You don’t have to worry. Everyone can see who has paid and what’s happening. And if you leave a tribe, your money is automatically returned to your PocketMoni account.
Yes. You can leave a tribe at any time, and your money will be sent back to your PocketMoni account automatically.
The tribe creator sets the rules. Members may pay:
A fixed amount, or Different amounts
Payments can be one-time or recurring, depending on the tribe's setup.
Open the tribe in your PocketMoni app and tap Fund. Your contribution will show instantly.
Yes. All tribe members can see:
Who has paid
How much has been paid
Tribe activity
Nothing is hidden.
This depends on the withdrawal rules set when the tribe was created. Withdrawals may be approved by:
Admins only or Randomly selected members
Money can be released when:
Everyone has paid
The target amount is reached
The tribe deadline is reached
The creator triggers a manual withdrawal
Money can be sent to:
One account, or
Multiple accounts at the same time
Yes. A small fee applies whenever money is withdrawn from a tribe.
A tribe can run for up to 1 year. The creator can also extend the tribe if needed.
You can change:
Tribe name
Description
Wallpaper
You cannot change:
Goal amount
Payment rules
You’ll receive an email and an in-app notification. Open it, review the tribe details, choose your display name, and tap Join Tribe.
If a tribe is closed or the goal is abandoned, all funds are automatically returned to members.
You can chat with us in the app or email help@pocketmonibank.com. A real human will help you.
No. A tribe can have any number of members.
Yes. All contributions are kept in a secure, locked wallet and can’t be accessed by one person alone. Also, all PocketMoni accounts are insured by the NDIC, so your money is protected.
The money belongs to the tribe as a group. It stays secure until the agreed withdrawal conditions are met.
All contributions go into a shared tribe wallet. There’s no separate account number, and no one can move the money without the right approvals.
MoniTribe funds are securely held and managed by eTranzact, which handles processing and disbursements for PocketMoni. This means your money stays within PocketMoni’s regulated payment system and is only released through approved withdrawal steps.
Yes. MoniTribe runs under PocketMoni’s existing security, compliance, and regulatory framework- The CBN AND NDIC. The same standards that protect your PocketMoni account apply here, too.
Creator
Creates and sets up the tribe. Can request withdrawals, but cannot access money without approval.
Admins
Chosen by the creator. Can manage the tribe and request withdrawals, but also need approval to access funds.
Members
Contribute money and view all activity. They can’t change settings or request withdrawals.
Approvers
Members selected (by rule or at random) to approve or decline withdrawal requests.
Yes. A tribe can have multiple admins, but at least one admin other than the creator is required.
No. Members can only contribute and view activity.
Only the creator can edit:
Tribe name
Description
Wallpaper
Contribution rules and goals cannot be changed once the tribe is created.
You can join through:
An invite link, or
An email invitation
You’ll be able to review the tribe details before joining.
Yes. You can join with your real name or a nickname.
Yes. You can leave a tribe at any time and your money will be refunded or the percentage of your contribution left from spending
Yes. Creators or admins can remove members.. The same applies to your money as above
Open the tribe and tap Fund to contribute directly.
No. Only tribe members can contribute money.
No. Contributions are made only from your PocketMoni wallet via direct debit. Support for external bank accounts isn’t available right now.
Yes. If flexible contributions are allowed, members can pay more than the minimum.
Everyone can see payment status. Admins can remind members who haven’t paid. If refunds are issued, members who didn’t contribute won’t receive anything.
No. Contributions can’t be edited or reversed, except through an approved refund process.
Yes. Members of a tribe will be refunded when:
A tribe is closed or
The goal of the tribe is abandoned or
The deadline is reached, and the Creator initiates a refund
No. Neither the Creator nor Admins can directly access contributions. All withdrawals go through an approval process.
Depending on the tribe’s setup:
Admins, or
Randomly selected members
Approvers are picked automatically by the system. This keeps the process fair and prevents bias
Admins can start an approval process, but approvals must follow the tribe’s selected approval process. No one can approve alone.
If an approver does not respond within 24 hours, the system automatically selects another eligible approver. The request remains pending until all required approvals are completed.
Yes. Approvers can decline a request. Declined requests are not processed.
The withdrawal request is declined, and the money remains in the MoniTribe wallet. A new request can be made if needed.
No. Once an approval or rejection is submitted, it cannot be changed.
Funds may be released when:
All members have contributed
The target amount is reached
The Creator and Tribe members can choose to:
Disburse the funds or
Extend the MoniTribe
Yes. Creators or Admins can close a MoniTribe from the settings page.
All available funds are automatically refunded to contributors.
No. Contribution amounts, frequency, and goal amounts cannot be edited after the tribe is created.
Yes. All members can view:
Transaction history
Contribution activity
Member list
Payment status
Everything is transparent.
Yes. Members get notifications when:
A withdrawal is started
Funds are paid out or refunded
Yes. All approval details are visible in the withdrawal details.
MoniTribe is a group wallet, not a personal one.
“Today’s Spend” only applies to personal PocketMoni wallets.
All withdrawals show up in the Withdrawals section of the MoniTribe dashboard.
You’ll see the amount, date, approval status, who started it, and the reason.
Not yet. For now, transaction history can be viewed inside the app.
Downloading statements is coming soon.
The member can be nudged by the creator or admins and may be asked to explain the delay.
No. Contributions are not automated yet. Members make payments manually for now.
Yes. A tribe needs at least 2 people:
1 creator
1 admin
No. Once a tribe is created, the contribution amount can’t be changed.
Yes. A creator can remove an admin from the tribe.
Yes. If an approver doesn’t respond within 24 hours, the system automatically assigns another eligible approver.
A creator can only leave by closing the tribe.
An admin can leave the tribe without ending it.
