Zepargn

Zepargn is the app that makes saving simple, accessible, and motivating for all Africans.

Whether you want to set aside money for a project, save with family or friends,

or even grow your money — Zepargn has the solution.

YOUR SAVINGS TOOLS

Personal Savings
Create customized savings goals (wedding, travel, electronics, health, etc.) and track your
progress in real time. Contribute at your own pace, withdraw whenever you want.

Group Savings
Save with your family, friends, or colleagues. Create or join a group, set common
rules, and achieve your goals together.

Zlock — Fixed-Term Deposit
Lock in your savings for a specific period and enjoy a return of up to 6.5% per
year. Ideal for medium-term projects.

Zflex — Instant Microcredit
Need a financial boost? Apply for a loan of up to 1,000,000 FCFA, paperless,

directly from the app.

Z-Educ — Financial Education
Improve your financial literacy with quizzes, rankings, and educational content tailored
to the African context. Learn while having fun.

Z-Challenges & Zpoints
Participate in group savings challenges and earn points redeemable for
rewards.

SECURITY & TRUST

• Biometric login (Face ID / fingerprint)

• Data encryption and secure storage

• Payments via MTN Benin, Kkiapay (for other mobile money services), and Stripe

• Automatic detection of compromised devices

BCEAO-approved partner

Your funds are managed by AVM, a financial institution authorized by the Ministry of Economy and Finance (MEF) of Benin
under the authority of the BCEAO (authorization no. A 15.0094 L — 2015).

Full compliance with WAEMU standards.

Download Zepargn and start saving today. Your financial future starts
now.