For member cooperatives
Whatever your cooperative does, every peso lands on the record.
Panta started at the jeepney door and now runs the co-op store, the billing office, and the dues book on the same member card and the same signed record. Pick your cooperative type below, or read what every type gets.
Built for every kind of cooperative.
“One platform underneath. Your cooperative only sees the services it runs.”
One member card and app
Members carry a card (physical or in the Panta app) with a balance issued by your cooperative. It pays for whatever your cooperative offers: rides, store goods, bills, dues.
Records nobody can quietly change
Every money movement is signed the instant it happens and the record only ever grows. Missing money shows up where you can see it; collected money can't be hidden.
Works with no signal
Built for brownouts, dead zones, and real roads. Devices record offline and sync themselves; members are never stranded by a dead connection.
The paperwork writes itself
Reports for your regulator come straight off the same record: always current, downloadable from the portal, honest about what they are.
No e-money licence needed
Cooperative-credit is closed-loop under cooperative law (RA 9520). BSP Circular 1166 §1 excludes closed-loop systems (source), so there's no EMI capital requirement on your cooperative or federation.
Cheap to run
Low-cost Android devices, a browser in the office, printed guides for every role. You run your cooperative, not servers.
Not sure which page is yours?
Tell us what your cooperative does. We'll show you exactly the parts of the running system that fit, end to end.
Signing up takes about ten minutes. Find your cooperative by name, check the details we already hold from the government register, and upload three documents. A person reviews every application before anything goes live.
Built and running in its production cloud environment · pre-pilot · first deployments across the Visayas and Mindanao (target Q4 2026)