Members and invitations
Invite by email or upload the group from a file (up to 200 rows per upload, with a review before sending). Each person signs in with their own user account and sees only their own information.
BankIA / Platforms / NatIA Ahorro
NatIAAhorro
For natilleras and savings groupsThe natillera without a notebook and without arguments.
NatIA Ahorro handles your group’s installments, loans and December distribution. Every contribution is recorded and dated, each member sees their account statement, and the administrator stops chasing payments.
- Distribution in exact cents
- Record that is never erased
- Each group isolated
- Price per person
Natillera Los Amigos · 2026 cycle
18 members · monthly installment $120,000
María Gómez
Carlos Ruiz
Ana Torres
Estimated distribution
Collected in the cycle
$21.6M
15 of 18 up to date · 3 with reminder sent
Illustrative example with fictitious data.
Everything a savings group needs
What used to live in a notebook, a spreadsheet and lots of messages is now in one place and within everyone’s reach.
Installments and monthly savings
Each saver has a monthly installment. Contributions are recorded, you can see who is up to date, and installment changes are saved.
Loans with interest
Loans to savers and external borrowers, with a monthly rate set by the group, payments and overdue status. Interest accrues on its own.
Reminders
Email and notification alerts when an installment is overdue or a loan is about to come due, without repeating the same alert.
Account statement
Each member checks what they have saved, what they owe and how much interest they have earned, always up to date and without asking the treasurer.
Group events
Bingos, raffles and fundraising activities: record income and costs and the profit is shared equally among the savers.
Closing and distribution
When the cycle ends, each person’s share is calculated, in exact cents and with a preview before confirming.
Cycles that renew
You close the cycle and open the next one with the same group, without starting over from scratch.
Record that is never erased
Transactions are dated and the app does not allow them to be deleted. No more “I already paid”.
From the first contribution to the December payout
This is what a cycle looks like in NatIA Ahorro.
- 1
You create the natillera
You choose the country, the currency, the default installment and the monthly rate for loans. The savings circle (natillera) starts out with its own space, isolated from the others.
- 2
You invite the group
Each person receives a single-use link that expires. Upon accepting, they create their user and enter their account statement.
- 3
You record month by month
Contributions, loans, payments and events. Reminders go out on their own and each member sees their progress.
- 4
You close the cycle
The platform shows a preview of the payout. When the group agrees, you confirm and it is recorded.
- 5
You start the next one
You open a new cycle with the same members and the rules they already know.
The payout
A payout everyone can verify
The rules are simple and written down: nobody has to rely on the treasurer’s spreadsheet.
- Interest (minus overhead expenses) are shared in proportion to each saver’s “savings-month”: more savings and more time, more interest.
- Events (income minus costs) are shared equally among the savers, regardless of how much each one saves.
- Loans taken by a saver are deducted from what is due to them.
- The cents are distributed exactly: the remainder goes to the largest ones and the total always adds up.
| Saver | Interest | Events | Loan | Receives |
|---|---|---|---|---|
| Saver A | $300,000 | $20,000 | — | $320,000 |
| Saver B | $200,000 | $20,000 | — | $220,000 |
| Saver C | $100,000 | $20,000 | −$50,000 | $70,000 |
Illustrative example with fictitious data.
What each person sees and can do
Administrator
Creates and manages the group, invites and removes members, records contributions, loans and events, closes the cycle and manages the subscription.
Saver
Checks their account statement, contributions and loans, receives notices and takes part in the distribution.
External borrower
Sees their loan, installments and balance, and the natillera’s general summary. Does not take part in the payout or see the other people.
AI that helps without taking the decision away from the group
Today NatIA Ahorro automates with clear, explainable rules. Generative AI will arrive with permissions, limits and human review.
TodayWhat it does today
- Rule-based reminders. They detect overdue installments and loans about to fall due, and notify once per situation.
- Calculated, auditable distribution. The result comes from fixed rules, with a preview before confirming.
- Statements always up to date. They are generated automatically with every recorded transaction.
Coming soonWhat’s coming
- Assistant for the administrator. It will answer questions such as “who is behind this month?” using only your natillera’s data.
- Late-payment risk alerts. They will warn you when a member’s payment pattern changes, so you can act in time.
- Cycle summary in plain language. Text ready to share with the group at the meeting.
What is listed under “Coming soon” is not available yet. We tell you so that you can decide with real information.
Your group’s data, separated and protected
Full details on the security and trust page.
Each group, isolated
Your natillera never sees another’s figures, and no other natillera sees yours.
No card numbers
For the subscription card only the brand and the last four digits are stored.
Single-use invitations
The invitation link expires and stops working once it is used.
Protected passwords
Passwords are stored hashed, and password recovery is done by email.
Price per person, each month
All monthly plans include updates, support and a white-label platform. The administrator pays their own monthly fee and that of each person they add (up to 300 people per natillera).
ColombiaCOP
Administrator user
$49,900 /month
- Saver user $9,900 /month
- External borrower $4,990 /month
MexicoMXN
Administrator user
$549.99 /month
- Saver user $109.99 /month
- External borrower $54.99 /month
Panama, U.S. and CanadaUSD
Administrator user
$29.99 /month
- Saver user $5.99 /month
- External borrower $2.99 /month
Current status: demo version. Subscription billing uses a simulated payment gateway until the commercial launch. Current prices are those shown on the platform; they may change with notice.
From notebook to NatIA Ahorro
| With a notebook or spreadsheet | With NatIA Ahorro | |
|---|---|---|
| Contributions | They are entered by hand and can be corrected without leaving a trace. | They are dated and cannot be deleted. |
| December distribution | Formulas that each treasurer builds in their own way. | Fixed rules, exact cents and preview. |
| Reminders | Calls and messages, one by one. | Automatic notices by email and notification. |
| Account statement | You ask the treasurer. | Each member can check it whenever they want. |
| Loans and interest | Manual calculations and oversights. | Interest that accrues on its own and overdue payments in plain sight. |
| Group trust | Depends on a single person. | Everyone sees the same thing, from the same record. |
Frequently asked questions about NatIA Ahorro
Where is the group’s money?
In your own natillera’s account. NatIA Ahorro records contributions, dates them and calculates; it does not receive or hold money.
Can members pay online?
In the demo version there is a simulated payment gateway to test the flow. Connection to a real payment gateway is on the work plan and will be announced when it is available.
How many people can a natillera have?
Up to 300 by default. You can upload up to 200 people at a time from a file, with a review before the invitations are sent.
What happens if I don’t pay the subscription?
There are seven days of grace. After that, the savings circle (natillera) is suspended: everything can be viewed, but no transactions can be recorded. Once the payment is regularized, it is reactivated.
Who sets the loan rate?
The group. The platform does not apply the usury rate (legal interest cap) to the loans of the savings circle (natillera): each group is responsible for setting rates consistent with its legal situation.
How is the profit distributed?
Interest in proportion to each saver’s savings-month and events equally, after deducting each person’s loans. Calculations are exact to the cent.
Does it work outside Colombia?
Yes. Each natillera has its own country and currency, and prices are defined for Colombia, Mexico, Panama, the United States and Canada.
Is my data mixed with that of other natilleras?
No. Each natillera is isolated: none can see another’s figures.
Guides for running your natillera well
What a natillera is and how it works
A natillera (a Colombian savings circle) is a savings group with monthly installments, member loans and a year-end payout. How it works and its risks.
Read the guide →Bylaws of a natillera: what they should include
The rules worth writing down before the first installment: contributions, loans, fines, withdrawals, distribution and closing. With a checklist to copy.
Read the guide →How to distribute a natillera’s interest
The savings-month distribution explained with a step-by-step example: who receives how much, and what happens with events, loans and leftover cents.
Read the guide →Move your natillera from the notebook to NatIA Ahorro.
We show you how it would look with your group’s data, no strings attached.