A purpose-built platform that unifies the entire member lifecycle for credit unions and cooperatives — onboarding, share subscriptions, loans, savings, payroll deductions and annual dividends — replacing fragmented spreadsheets and expensive core-banking systems.
A purpose-built platform that unifies the entire member lifecycle for credit unions and cooperatives — onboarding, share subscriptions, loans, savings, payroll deductions and annual dividends — replacing fragmented spreadsheets and expensive core-banking systems.
CoopOS is built for credit unions teams in cooperatives. It is delivered under Outcome-as-a-Service: Xamun invests the build, deploys it on your infrastructure, and you pay per transaction the system processes.
CoopOS carries the following regulatory and compliance surface, enforced in the workflow rather than documented beside it. The GraphIQ compliance layer keeps these rules current as they change.
Not a generic accounting package with a loans bolt-on. Every module is shaped around how a credit cooperative actually operates.
Member lifecycle Digital onboarding, KYC document upload, Board approval workflow, member number issuance and share capital subscription — in a single end-to-end process.
Share capital management Record subscriptions, withdrawals and transfers with full share ledger history per member. Paid-up shares drive dividend computation automatically.
Full loan lifecycle Application, credit-committee review, Board approval (maker-checker), disbursement, amortisation schedule, repayment posting, collections, write-off and GL entry — one system, no gaps.
Savings & deposits Member savings accounts with cashier deposit/withdrawal workflow, full transaction ledger, and running balance — all posted to the GL in real time.
Payroll deduction Register employers, generate monthly deduction batches, download the CSV for payroll processing, and reconcile repayments in a single click — automatic GL posting included.
Annual dividends Board declares the rate, Treasurer computes each member's allocation from paid-up shares, posts to savings, and the GL balances itself — end-of-year close in minutes.
CDA report & analytics PAR buckets (30/60/90/90+ days past due), portfolio KPIs, share capital and savings totals — exportable to CSV, ready for CDA submission and Audit Committee review.
Double-entry general ledger Immutable journal with configurable GL accounts, auto-posted business events, manual entries, and reversal support — your books reconcile to the cent, on demand.
Role-based workspaces Seven distinct roles — Membership Officer, Board of Directors, Treasurer, Credit Committee, Audit Committee, Member, and System Admin — each scoped to exactly its job, enforced at both API and UI layers.
Real screens from the live demo you can open above. Your own deployment is a separate instance, branded and configured to your operation.
Stacked against the four ways cooperatives run their books today.
| Capability | CoopOS Purpose-built for cooperatives | Core banking suite(Temenos / FLEXCUBE) | Generic accounting(QuickBooks / Xero) | Spreadsheets / in-house |
|---|---|---|---|---|
| Member lifecycle (onboarding → dividends) | ● Built-in | ✕ Custom build | ✕ Not supported | ✕ Manual |
| Share capital ledger per member | ● Built-in | ◑ Generic sub-ledger | ✕ Not supported | ✕ Manual |
| Loan lifecycle with amortisation & penalties | ● Built-in | ● Yes | ✕ Not supported | ✕ Manual |
| Maker-checker approval (CC → Board) | ● Built-in | ◑ Configurable | ✕ None | ✕ Manual |
| Payroll deduction batches & reconciliation | ● Built-in | ◑ Integration project | ✕ None | ✕ Manual |
| Annual dividend compute & GL posting | ● Built-in | ◑ Custom | ✕ Manual entry | ✕ Manual |
| CDA PAR reporting (30/60/90/90+ buckets) | ● Built-in | ◑ Custom report | ✕ None | ✕ Manual |
| Double-entry GL & audit trail | ● Immutable | ● Yes | ● Yes | ✕ Error-prone |
| 7 RBAC roles with distinct workspaces | ● Built-in | ● Yes (generic) | ◑ Limited | ✕ None |
| RA 9520 Cooperative Code compliance | ● Built-in | ✕ Custom build | ✕ Not localized | ✕ Manual |
| Time to go live | ● Weeks | ✕ 12–24 months | ◑ Days (but no coop features) | ● Immediate* |
| Source code ownership & white-label | ● You own & rebrand it | ✕ Vendor-locked | ✕ Vendor's product | ◑ Files only |
| Hosting & data residency control | ● Your infra, any region | ◑ Vendor-defined | ✕ Vendor cloud only | ◑ Your device |
| Commercial model | ● One-time perpetual licence | ✕ Licence + system integrator | ✕ Recurring per-seat SaaS | ◑ Cheap, then costly |
Under Outcome-as-a-Service, with no upfront CAPEX. What you open above is a demo instance; what you buy is your own separate deployment — on your infrastructure, under your brand, source-available, and configured to how your operation actually works. Xamun invests the build, and you pay a per-transaction fee on what the system processes. A slow month is a small invoice; if it does not run, you do not pay.
Bring us one workflow and we will show you CoopOS running it.
