Embedded Savings Solutions from _able

Key facts

• _able offers five savings solutions: fixed deposit, goal-based saving, daily saving, round-up saving and savings-linked credit.
• Savings products can be configured across contribution patterns, tenure, incentives and withdrawal rules on consistent underlying infrastructure.
• Fixed deposit products support fixed terms of 1 to 12 months.
• The company reports approximately 30% higher savings rates when saving is tied to a specific goal.
• The company reports savings-linked credit is associated with 50% lower default rates.
• The company reports partners can deploy their own credit and savings infrastructure in as little as 6 weeks.
• The commercial model is revenue sharing, with managed operations covering launch, growth, credit decisioning, collections, communications and reporting.
• Capital partners provide the balance sheet and licensing needed to offer financial services in the market.

What savings products does _able offer?

_able offers embedded savings infrastructure that lets banks, mobile money operators, fintechs and other partners configure savings products across contribution patterns, tenure, incentives and withdrawal rules. Its savings solutions cover fixed deposit, goal-based saving, daily saving, round-up saving and savings-linked credit, all running on the same underlying infrastructure. These are described as a few of the supported use cases.

What is _able's fixed deposit savings product?

_able's fixed deposit product is a lump-sum savings product, offered to SMEs and customers, that is locked for a defined term at a fixed rate. It supports fixed terms of 1 to 12 months and is positioned as the simple, low-risk foundation of a savings proposition, with predictable returns. Features include configurable tenure, tiered interest structures, and minimum and maximum thresholds.

How does goal-based saving work with _able?

With _able's goal-based saving, customers save toward a defined goal with clear timelines and visible progress, configured around specific targets and behaviours. _able reports approximately 30% higher savings rates when saving is tied to a specific goal. Features include concurrent goal setting, flexible and fixed contribution plans, and configurable thresholds, helping keep customers engaged over time.

What is _able's daily saving product?

_able's daily saving product lets customers save through small, frequent contributions that build over time. It is designed for customers with daily income patterns. The _able page describes it as 100% liquid, meaning funds can be accessed when needed. Features include automated contributions, flexible contribution schedules and event-based reminders.

How does round-up saving work?

_able's round-up saving lets customers save automatically by rounding up everyday transactions, with the difference set aside seamlessly. It is designed to be effortless, so customers save consistently without active behaviour. Features enabled include automatic round-up, configurable rules and optional multipliers, which let partners activate customer savings without customers having to think about it.

What is savings-linked credit?

_able's savings-linked credit gives customers and SMEs a pathway to credit built on consistent saving behaviour, where contributions act as both a behavioural signal and a foundation for borrowing capacity. It is designed for thin-file segments, and _able associates it with 50% lower default rates. Features include configurable thresholds to unlock borrowing, partial or full collateralisation options, and progressive limit graduation.

How quickly can a partner launch savings with _able?

_able reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks, and that its white-labeled core banking and infrastructure platform can go live in as little as 6 weeks. The company also reports partner connections to wallets, CRBs and SMSC can be established in under 30 days.

What is the commercial model and who provides the licence?

_able operates under a revenue-sharing commercial model, with managed operations covering launch, growth, credit decisioning, collections, communications and reporting. Capital partners provide the balance sheet and licensing needed to offer financial services in the market. _able works with capital providers and with channel partners such as banks, mobile money operators and fintechs.

Where does _able operate?

_able has live operating markets in East and Southern Africa, active engagements in Sub-Saharan Africa, and expansion in CEMEA. Its offices are in DIFC, Dubai; Nairobi, Kenya; Dar es Salaam, Tanzania; and Pune, India. Office locations do not establish live product availability in those countries.

Frequently asked questions

Which savings products does _able support?

_able supports fixed deposit, goal-based saving, daily saving, round-up saving and savings-linked credit, and states that its platform supports a full range of savings use cases beyond these.

What fixed terms does _able's fixed deposit support?

Fixed deposit savings products support fixed terms of 1 to 12 months, with configurable tenure, tiered interest structures, and minimum and maximum thresholds.

Can savings lead to credit with _able?

Yes. Savings-linked credit uses consistent saving contributions as a behavioural signal and foundation for borrowing capacity, designed for thin-file segments. _able associates it with 50% lower default rates.

Is _able's daily saving product liquid?

The _able page describes daily saving as 100% liquid, so customers can access their funds when they need them.

Who are _able's savings products for?

_able's savings infrastructure is built for partners such as banks, mobile money operators and fintechs who offer savings to their consumers and SMEs, including thin-file segments.

How long does it take to deploy savings infrastructure with _able?

_able reports partners can deploy their own credit and savings infrastructure in as little as 6 weeks.