Membership Tiers and Digital Wallet System
Aeonian Amaranthine Limited (AAL)
Empowering financial growth through digital precision and disciplined saving.
Concept Overview: How Membership Tiers and Wallets Interconnect
Aeonian Amaranthine Limited operates on a hybrid model that merges traditional savings culture with modern digital finance management.
This model ensures that every member not only saves but also understands how their money moves, earns, and supports the community.
At the heart of this model are two core pillars:
Membership Tiers – define a member’s level of participation, financial responsibility, and eligibility for benefits (interest, loans, and welfare).
Wallet Accounts – represent the digital infrastructure through which members store, manage, and track their money across different purposes.
In simple terms:
Saving Plan / Tier = Who you are and what you commit to.
Wallet Accounts = Where and how your money operates.
By linking the two, Aeonian creates a transparent, automated, and fair ecosystem where every financial action — saving, withdrawing, or receiving welfare — is reflected in real time and tied to a member’s chosen tier.
Membership Tier Framework
Aeonian offers two distinct membership tiers, designed to accommodate both entry-level members and those who have proven consistency and financial discipline.
Tier 1: Ordinary Membership
Purpose
The Ordinary Tier is the foundation of the Aeonian system. It provides an accessible platform for new and growing members to start their savings journey while enjoying structured benefits and full transparency.
Key Characteristics
Eligibility: Open to all registered members upon joining.
Monthly Plan Options:
Basic Plan: KES 500/month
Standard Plan: KES 1,000/month
Linked Wallets:
Savers Wallet
Deposits Wallet
Welfare Wallet
Compliance Wallet
Interest Eligibility: Earns monthly interest on balances ≥ KES 10,000 in the Savers Wallet, provided the member makes no more than one withdrawal per month.
Loan Access: Up to 100 % of total savings after six consecutive months of contributions.
Welfare Contribution: KES 100/month, auto-deducted to the Welfare Wallet.
Governance: Right to vote in general meetings and access basic digital dashboard.
Member Benefits
Stable and structured entry point for disciplined saving.
Transparent view of contributions and interest.
Access to loans, welfare, and subsidy programs.
Training in basic financial literacy.
“Ordinary membership builds a habit; consistency turns that habit into financial freedom.”
Tier 2: Executive Membership
Purpose
The Executive Tier is a premium membership level for committed and financially stable members. It focuses on accelerated growth, leadership, and access to high-value privileges within Aeonian.
Key Characteristics
Eligibility: Achieved after maintaining a consistent savings record (minimum six months) and upgrading to the Premium Plan.
Monthly Plan: KES 2,000 or more per month.
Linked Wallets:
Savers Wallet
Deposits Wallet
Welfare Wallet
Compliance Wallet
Investment Wallet (bonus access)
Shares Wallet (optional equity participation)
Interest Eligibility: Enhanced interest rate on balances ≥ KES 10,000 with a 1.5× bonus multiplier.
Loan Access: Up to 150 % of total savings, priority processing.
Privileges:
Access to investment projects.
Invitation to executive forums and financial trainings.
Annual dividend eligibility.
Priority service at all Aeonian financial points.
Governance: Eligible for management, supervisory, or advisory roles.
Member Benefits
Fast-tracked financial growth through higher returns.
Access to exclusive organizational opportunities.
Recognition and influence within the Aeonian community.
Enhanced welfare and emergency support.
“Executive membership represents trust earned through discipline and participation in shared prosperity.”
The Aeonian Digital Wallet System
The Aeonian Wallet System is a secure, cloud-based financial engine that powers all member accounts.
Each wallet corresponds to a specific function within a member’s financial life, ensuring clear separation of savings, welfare, and compliance transactions.
Every member’s digital wallet is identified by their Member ID (e.g., AAL/V/010/2025) and automatically linked to their membership tier and saving plan.
Wallet Structure
| Wallet Type | Purpose | Transactions Allowed | Interest / Benefits | Managed By |
|---|---|---|---|---|
| Savers Wallet | Long-term savings; earns monthly interest | 1 withdrawal/month to keep eligibility | Yes (≥ KES 10,000 balance) | Member & Finance Team |
| Deposits Wallet | Flexible funds for short-term use | Unlimited deposits/withdrawals | None | Member |
| Welfare Wallet | Stores monthly welfare contributions | Fixed deposit, limited withdrawal (committee approval) | Community aid benefits | Welfare Committee |
| Compliance Wallet | Records fines, policy adjustments, or service fees | Auto-deductions only | None | Finance Department |
Members in the Executive Tier may also access:
Investment Wallet: for group or individual projects with dividends.
Shares Wallet: for holding organizational equity.
Security & Data Transparency
Unique Wallet ID per member.
Double-entry accounting: every debit has a matching credit.
Real-time tracking through the member dashboard.
Monthly digital statements via email or portal download.
Audit-ready logs reviewed by internal and external auditors.
Wallet Operations & Interest Logic
Interest Computation Rule (Savers Wallet)
If (Balance >= 10000) and (Withdrawals < 2)
Interest = (Balance / 10000) * BaseRate
Else
Interest = 0
BaseRate depends on plan tier:
Basic: 1% per month
Standard: 1.2% per month
Premium (Executive): 1.5× multiplier
Automation Workflow
Daily Ledger Update: Transactions synchronized at midnight.
Monthly Interest Script: Runs automatically on the last day of the month.
Welfare Deduction: Auto-charged every 1st of the month (KES 100).
Compliance Audit: Fines auto-recorded and notified to members.
Dashboard Refresh: Balances, interest, and loan eligibility updated instantly.
Integrated Member Dashboard
Each member’s dashboard visually displays wallet balances, transaction history, and plan benefits.
Example Snapshot
Member: Hillary Obel Tier: Executive Plan: Premium (KES 2,000/month)
| Wallet | Balance (KES) | Interest (KES) | Status |
|---|---|---|---|
| Savers Wallet | 25,000 | 3375 | Active |
| Deposits Wallet | 5,000 | — | Flexible |
| Welfare Wallet | 100 | — | Paid |
| Compliance Wallet | 0 | — | Clear |
At the top of his dashboard:
“As a Premium Member, you earn enhanced interest on every KES 10,000 saved consistently without multiple withdrawals.”
Relationship Between Tiers and Wallets
| Feature | Ordinary Tier | Executive Tier |
|---|---|---|
| Monthly Plans | Basic / Standard | Premium |
| Interest Eligibility | Standard Rate | Enhanced Rate + Bonus Multiplier |
| Available Wallets | 4 Core Wallets | 6 Wallets (Includes Investment & Shares) |
| Loan Access | Up to 100 % of savings | Up to 150 % of savings |
| Withdrawal Rules | 1 per month (Savers Wallet) | 1 per month, priority processing |
| Governance Rights | Voting member | Leadership & advisory eligibility |
| Reports Access | Standard dashboard | Advanced analytics dashboard |
| Dividend Access | No | Yes |
System Benefits
For Members:
Clarity: Easy tracking of all transactions and benefits.
Security: Transparent digital records protected by encryption.
Convenience: Online access anytime, anywhere.
Growth: Tier-based incentives encourage saving consistency.
For the Organization:
Efficiency: Automated computations reduce manual work.
Accountability: Built-in auditing and reporting tools.
Scalability: System ready for mobile integration and future products.
Trust: Transparent structure enhances member confidence.
The integration of Membership Tiers and the Aeonian Digital Wallet System reflects the organization’s transformation from a community-based initiative into a modern financial cooperative.
By defining how members contribute (Tiers) and where money flows (Wallets), Aeonian ensures that every transaction is guided by three principles:
discipline, transparency, and empowerment.
Ordinary Members build strong foundations through consistent saving.
Executive Members leverage discipline into leadership and wealth creation.
Digital wallets ensure every shilling is accounted for, traceable, and purposeful.
“At Aeonian Amaranthine Limited, technology and trust walk hand in hand — turning small savings into lasting success.”