Every naira accounted for, every decision signed off.

BTC Inc. 2026 unifies bookkeeping, lending, investor equity, and AI-assisted client operations into one governed platform for the cooperative.

BTC Ledger

The cooperative's primary book — lending, investors and daily operations.

Join. Grow. Thrive Management in one book.

Tri-party sourcing, agent commissions, collateral registry and full amortisation modelling.

Equity roll-forward, profit-share allocation and an automated dividend engine.

Category-driven entries with running balances and coded reconciliation reasons.

Critical actions need dual authorisation, with an append-only audit history.

Sarah answers enquiries, captures entries by message and flags unauthorised attempts.

Row-level security, 2FA, inactivity lock and fully isolated book sessions.