South Africa
Save toward life's milestones — with built-in discipline
My Grad Zaka™ helps students and families build savings for goals like matric, university, and celebrations. Every contribution follows a strict 70/30 rule: most funds stay locked until the milestone; a portion stays accessible for rainy days.
Savers use our mobile app for pockets, deposits, and withdrawals. This website is for staff (admin / compliance) and sponsors who support milestone savings.
The 70/30 discipline split
Deposits, top-ups, and sponsor contributions are allocated consistently: 70% is locked toward the milestone goal, and 30% goes to a liquid balance you can use for approved withdrawals — so progress stays real without freezing every rand.
Milestone progress, always visible
Every pocket shows clear milestone progress so savers, sponsors, and your team see how close a goal is — including zero-balance pockets at 0% until funding begins.
- Goals like Grade 12, university, or a 21st — with minimum lead time before the date.
- Withdrawals follow product rules: typically from the liquid slice unless a milestone is verified.
- Sponsors can contribute via secure checkout; impacts reflect the same split.
Built for trust & compliance
The platform is designed for oversight as well as everyday saving: audit trails, KYC/AML awareness (including elevated flows above typical thresholds), and POPIA-aligned consent — aligned with how regulators and bank partners expect savings products to behave.
Admin & compliance
Staff dashboards for monitoring, case workflows, and exports — not a replacement for legal advice, but built for operational discipline.
Sponsor impact
Donors see how support ties to milestones and the 70/30 story, with clear disclaimers on every flow.
Audit & idempotency
Financial actions are designed for traceability and safe retries — critical for real money.
Ready to open the portal?
Choose the area that matches your role. Staff use admin tools; sponsors track impact and contribute.