Around half of Sub-Saharan Africa's population is still unbanked. Many of them form informal financial groups such as SACCOs and VLSAs. They save in cash, which keeps them vulnerable to inflation and physical security risks. We propose a self-sovereign approach to micro-banking for these communities, based on an accessible and compliant with their traditions combination of cheap hardware wallets, FediMint, Lightning, USSD for access without internet and USD stablesats.