From forming a group to managing a shared fund, the Ma’at model provides tools, governance rules and digital infrastructure to help communities grow their collective wealth.
Six simple steps that help communities build and manage their collective fund.
Communities interested in joining the Ma’at network begin with a series of brainstorming sessions to define their shared goals, values and principles of cooperation.
With support from the Ma’at team and a local country manager, the group forms around 10–30 members, chooses a name and establishes its collective objectives.
During the initial phase the group receives guidance and training to become fully operational, until it gains autonomy and self-sustaining governance.
Each Ma’at group elects its leadership team annually to ensure transparent and balanced decision-making. The steering team typically includes a coordinator and two bookkeepers responsible for keeping the group’s activities running smoothly.
Together, members define leadership roles, governance principles and internal rules that guide the group’s operations. These rules constitute a formal agreement signed by all members, ensuring fairness, transparency and inclusion while allowing leadership responsibilities to rotate over time.
During the initial phase the group receives guidance and training to become fully operational, until it gains autonomy and self-sustaining governance.
1. Community reflection. Understanding current financial systems and defining shared values.
2. Governance setup. Electing leaders and defining responsibilities.
3. Internal rules. Defining contributions, advances, safeguards and group objectives.
4. Meeting structure. Learning the seven-step meeting process to ensure transparency.
5. Digital tools. Training book keepers to use the Ma’at App to manage transactions.
These modules help groups become resilient, autonomous and capable of growing their collective wealth.
Ma’at groups meet regularly, usually once a week, for short meetings lasting around 20–30 minutes.During each meeting:
• Members contribute funds according to agreed rules
• Members can request capital advances (maats)
• All transactions are recorded transparently
Capital circulates among members and returns to the shared pool with a sustainability premium, allowing the collective fund to grow over time.The Ma’at mobile app helps guide meetings and securely records transactions, ensuring transparency and accountability for all participants.
Ma’at expands through a self-replicating community model.
Each country has a Ma’at Country Manager who supports local facilitators.
Facilitators guide groups during meetings and help launch new groups nearby, at least 3 to 5 per year.
As facilitators are supported by group contributions, the system becomes financially sustainable while expanding organically across communities.
All group transactions are securely stored using European cloud infrastructure compliant with GDPR data protection standards. The platform ensures:
• secure data storage
• transparent access for group members
• clearly defined roles and permissions
Administrators, country managers, facilitators and group leaders each have specific responsibilities within the data governance framework.
Every member can access their group data at any time, ensuring full transparency.
