Features
More than just savings.
Grō is not just a savings app. It is a financial operating system for mobile money users—built on your mobile money data, your trust score, and your community.
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Micro-Loans from Your Score
90 days of saving = a credit score. Unlock micro-loans at 3%/month instead of 10% from market lenders. Your savings history is your collateral. No paperwork.
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Supplier Credit
Your wholesaler checks your Grō Score and gives you 7-day credit. Take goods now, pay when you sell. Grō auto-repays from your daily inflows.
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Grō Protect
GHS 2/month insures your savings up to GHS 5,000. Phone stolen? Shop burned? Your savings are protected and you get emergency cash.
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Market Day Boost
AI knows your busy days. On market day when inflows spike, sweep percentage doubles automatically. You earned GHS 1,200? Grō swept GHS 24 instead of GHS 12. You did not feel it.
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Family Remit
Your daughter in London sends money directly into your Grō Stack—not MoMo where it gets spent the same day. It earns interest from the moment it lands.
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Inventory Financing
AI knows you restock every Tuesday. Need GHS 300? Grō advances it from your savings and auto-repays from this week’s sales. Buy-now-pay-later for traders.
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Voice Notes in Your Language
Cannot read? No problem. Send a WhatsApp voice note in Twi, Ga, Hausa, Yoruba, or Pidgin. AI understands and executes. “Auntie, mepe sɛ me tua me susu” → contribution made. Grō works for every woman in the market.