“Village banks” are groups of low-income entrepreneurs who come together to share and guarantee one another's loans.

Village banking is actually a microcredit methodology whereby financial services are administered locally rather than centralized in a formal bank.

Neighbors come together in Village Banking groups. Individuals borrow working capital for their microenterprises, and the group guarantees those loans. Village Banking also encourages neighbors to support each other while growing their businesses; these mutual support groups can help invigorate entire communities.

This is where Machankura becomes a solution in Africa. Machankura Clans give users the ability to send and receive bitcoins anywhere in the world as a group without internet connection.

Sending Bitcoin requires approval from the members or admins. With the added option to equally distribute the balance to all members. This ensures transparency and cooperation among members.

Each clan can have an approval policy for each action or spend on the clan.

The group name becomes the lightning address, required to receive bitcoins.