ACC Cooperative runs the way most member cooperatives do. Contributions collected by hand, loan requests processed on paper, guarantors chased down by phone, and members driving to the office just to check a balance. It works, but it doesn't scale, and it asks members to trust a system they can't see into.

I designed ACC as the digital equivalent of that trust: a personal banking and support system built specifically for cooperative members, available from their phone, with the same accountability and oversight the physical office provided just faster, clearer, and available anytime.