💳 Cooperator Card – Powered by Co-op Pay CFI/SACCO

The Cooperator Card is a smart financial membership card designed exclusively for co-op members and societies. It integrates digital banking, payments, savings, and rewards, making it easier for cooperators to manage funds, access services, and participate in cooperative economic growth.

📌 Key Features

1. Linked to Co-op Pay CFI/SACCO Account

   • Your card is connected directly to your co-op’s CFI/SACCO account, enabling instant deposits, withdrawals, and transfers.

   • Supports member contributions, loan repayments, and dividend collections.

2. Digital & Physical Card

   • Use physically at merchants, ATMs, and co-op stores.

   • Use digitally via mobile app for online purchases, Co-op MarketSpace, and COPA transactions.

3. Multi-Currency Functionality

   • Works in major African currencies (ZAR, NGN, KES, GHS, EGP, XAF)

   • Fully supports COPA digital currency (1:1 USD) for pan-African trade and digital payments.

4. Integrated Savings & Investment

   • Automatically directs a portion of spending or contributions into:

     • Co-op Debentures (CDE)

     • CFI/SACCO savings

     • Co-op Sure Insurance

     • National Social Security Programs

5. Rewards & Incentives

   • Earn points for purchases at co-op stores, member shops, and partner merchants.

   • Points can be redeemed for products, services, or COPA credits.

6. Secure & Transparent

   • PIN-protected, encrypted, and monitored for fraud protection

   • Transaction history available via mobile app or online portal

💲 Pricing

• Cooperator Card Issuance: US$10 (one-time)

• Annual Maintenance Fee: US$5–US$8 (includes card, app access, and support)

• Transaction Fees: Minimal, integrated into existing Co-op Pay CFI/SACCO structures

🌟 Benefits

• For Members: Convenient access to funds, investment opportunities, and rewards in one card

• For Co-ops: Encourages member participation, savings growth, and transparency

• For Africa: Facilitates cross-border cooperative trade using COPA and local currencies

🚀 Additional Use Cases

• Pay for Co-op MarketSpace purchases

• Participate in tokenised co-op projects

• Receive loan disbursements and dividends

• Access pay-per-view content, ICM courses, and film rentals

• Redeem rewards or COPA credits at participating co-op outlets

The Cooperator Card essentially turns every member into a connected participant in the cooperative financial ecosystem — savings, payments, investment, and digital transactions in one card.