Build a hyper-local spending network where communities pool buying power and

1. Pick one tight community (e.g. traders in Lekki market, a company's staff, a church group) and manually manage their first 50 purchases via WhatsApp + spreadsheet. Charge 5-8% on group spend, prove repeat usage and word-of-mouth growth over 4-6 weeks. 2. Build a simple mobile app (React Native or Flutter) with four screens only: group dashboard (total spend + rebates earned this month), add purchase (receipt upload + group approval), member ledger, and payout. 3. Onboard vendors (supermarkets, restaurants, pharmacies, fuel stations) in your test community by walking in with proof of 20-50 active group members. Negotiate 5-12% commission on referred sales. 4. Automate rebate calculation and monthly payout via bank transfer or USSD. Keep payouts reliable—this is your trust moat. 5. Copy the playbook to 5-10 new communities (different markets, offices, churches) in months 3-4. Let existi