Automated treasury software that gives your SACCO total control over its earnings.
Sigsug calculates your Safe-to-Invest Cash after loans, withdrawals, and your 15% reserve, then moves funds straight to Bank of Uganda accounts in your name. Every action needs board approval and leaves a full audit trail.
Built for
- Licensed deposit-taking SACCOs
- UMRA Tier 4 institutions
- Registered cooperatives
Idle cash is the single largest cost on a SACCO balance sheet. We diagnose twelve months of cash flow and route your Safe-to-Invest Cash to the full sovereign yield, without ever touching the money.
What idle cash earns today, before Sigsug.
Four benchmark rates every board should see side by side before approving a treasury shift.
Commercial Checking / Base Rate
Idle cash loses value to inflation daily.
Bank Fixed Deposit, typical SACCO rate
Banks keep the higher margin for themselves.
BoU Central Bank Rate, CBR Aug 2026
Official policy baseline, the floor for safe sovereign paper.
Sigsug Sovereign Yield, T Bills and T Bonds
Full yield captured directly for member dividends.
Illustrative commercial rates; actual terms vary by bank and tenor. CBR per Bank of Uganda Monetary Policy Committee, August 2026.
What Sigsug handles for you.
Automated Surplus Sizing
Sigsug automatically calculates your safe operating cash by setting aside funds for member loans, daily withdrawals, and statutory reserves. Only true idle surplus is cleared for investment.
Dual-Signatory Governance
No single individual can move funds. Every transaction requires an initiator and designated board sign-offs directly under your SACCO's official authority.
Direct Sovereign Registry (Zero-Custody)
Sigsug never holds or handles your cash. Investments move straight from your commercial bank into official Central Bank instruments under your SACCO's name and TIN.
Transparent Central Bank Rates
View live Bank of Uganda Treasury yields in real time before making decisions. Know your exact projected returns before executing a single trade.
Automated Liquidity Laddering
Investment maturities are systematically staggered across 30, 90, and 180 days so cash regularly matures ahead of seasonal member withdrawal surges.
Audit-Ready Financial Reconciliation
Eliminate manual Excel errors. Sigsug automatically matches core accounting entries against official Bank of Uganda treasury records for instant audit compliance.
The whole model, in three figures. Nothing invented.
What banks pay SACCOs on fixed deposits versus the full BoU bill yield routed back with Sigsug. That spread is the entire opportunity, above the 9.75% central bank rate floor.
Sigsug never takes the money. Purchases settle directly between the SACCO's bank and the BoU CSD registry under its own TIN.
The statutory cushion is enforced automatically before any cash moves. Boards often leave 50 to 70% idle for peace of mind; most of that float can work safely.
CBR 9.75% per Bank of Uganda, August 2026. Bank ranges illustrative; confirm live figures before quoting.
Talk to our team. Explore the platform on your numbers.
Tell us about your balances, board structure, and settlement bank. We will map your onboarding path, your statutory cushion, and what your idle cash earns on zero-custody rails.
SIGSUG.
Sigsug is the treasury desk for Ugandan SACCOs, running on zero-custody rails. Purchases settle straight into Bank of Uganda instruments under your SACCO's name and TIN, every action board-approved and audit-ready.