Getting Started with Huio

Welcome to Huio, the premier modern management platform for traditional mutual savings groups (Hụi / Hội). Huio brings absolute transparency, automated bookkeeping, and safety to a time-tested community finance tradition.

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1. What is a Hụi/Hội (Hui Group)?

A Hụi (or Hội) is a traditional rotating savings and credit association (ROSCA) widely popular in Vietnam and other parts of Asia. It consists of:

• Host (Chủ hụi): The organizer who sets up the group, manages calculations, verifies participants, and guarantees payments.


• Members (Hội viên): Participants who contribute a fixed amount of money every period and take turns receiving the lump sum ("payout").


• Share/Slot (Chân hụi): A single participation slot in a group. A member can buy multiple slots in a single group to save more or borrow multiple times.

In Huio, a mutual savings group is called a Hui Group (or simply Group).

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2. Setting Up Your Account

Getting started with Huio is simple:
1. Download the App or Open Web: Install Huio on your iOS or Android device, or access the web app at `https://huio.app`.
2. Flexible Sign-in:
* Sign in with Zalo: Tap the Zalo icon for 1-tap sign-in via the secure Zalo OAuth v4 PKCE protocol.
* Phone via SMS OTP: Register with your Vietnamese phone number (`+84…`) and verify with SMS OTP.
* Google / Apple / Email: Sign in seamlessly with Google, Apple ID, or email.
3. Choose Your Role & Name:
* Host (Chủ hụi): For organizers managing mutual savings groups.
* Member (Hội viên): For participants joining groups organized by hosts.
* Confirm your display name.
4. Accept Terms of Service (ToS): Review and accept Huio's Terms of Service and Privacy Policy.
5. Complete Profile: Add your bank account information for automatic VietQR generation and payouts.

2.1. 6-Step Getting Started Checklist (For Organizers / Hosts)

On the Overview dashboard, Huio provides an automated progress tracker guiding you through your first complete cycle:
1. Create your first Group: Set group name, frequency, and base contribution.
2. Add all slots: Invite or assign slots until all period slots are filled.
3. Start the first period: Open the live auction or designated bidder for round 1.
4. Record the winning slot: Finalize the winning bid and complete the auction round.
5. Record payments: Mark payments collected or reconcile bank transfers.
6. Set up bank account (Optional): Enable automated VietQR code generation and transaction matching.

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3. Creating Your First Group (For Hosts)

If you are a Host, you can create a new savings group in 4 simple steps:
1. Basic Details: Give your group a name and set the Base Contribution (e.g., 1,000,000 VND per period).
2. Configure Rules:
* Set the Cycle Period (Daily, Weekly, Monthly, or every N days).
* Choose the Commission Fee Type:
* `on_open` (Host receives a fee when the group starts).
* `on_win` (Host takes a commission percentage from each winner's payout).
3. Add Members: Add slots from your contacts or create manual drafts. Members can own multiple slots (e.g., Member A has 2 slots, Member B has 1 slot).
4. Preview & Launch: Review the calculated total periods and schedule, then tap Launch to activate the group.

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4. Joining a Group (For Members)

To join a Host's group:
1. Open the Invite Link (which uses a Universal Link like `https://huio.app/join?token=TOKEN`) or scan the QR Code shared by the Host.
2. Confirm the number of slots (chân hụi) you wish to register.
3. Wait for the Host to approve your entry and launch the group!

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5. Invitation Flow & Automatic Registration (Invite & Auto-mapping Flow)

Huio optimizes account setup so that hosts and members do not need to configure anything manually:

• Phone-based Auto-mapping: When a Host creates a group and registers members by their phone numbers, the system creates placeholder profiles. As soon as those members register on the app with their phone numbers, the system automatically matches and links their accounts with all pre-created slots (`hui_slots`).


• Directory Contact Sync: Member notes and bank accounts are synchronized globally with the Host's directory database using their phone numbers. Any updates made in the Directory will automatically propagate across all groups they participate in.

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6. Export Documents & Automated Bills

Huio replaces Excel spreadsheets and manual Zalo sharing with auto-generated documents built directly from live app data:

• Member Payment Slip (E2): Personalised bill with P&L, amount due, and VietQR. There is no menu label — tap the grey doc icon next to a member in Finance → Today or Groups → Payments (Đóng tiền).
• Group Info Sheet (E1): Full group overview. Groups → select group → doc (top right) → Group Information Sheet.
• Period Collection Checklist (E3): Payment status list. Payments (Đóng tiền) tab → doc on period block.
• Batch Bill Export (E4): PNG E2 slips for unpaid members. Gửi phiếu hình ảnh hàng loạt in Payments tab.
• Group Summary Report (E5): Final P&L for completed groups. doc menu → Summary report.
• Member Balance Sheet / Consolidated Member Balance Sheet (E6): Per-member balances. doc on group page (Member Balance Sheet) or Members tab header (Consolidated Member Balance Sheet).
• Payment Receipt (E10): Winner payout slip. Payments → Winner card → coral doc icon.
• Daily Collection Summary (E11): All active groups. Finance → Today → doc (header).
• Invite link (not E6): 🔗 icon next to member in Members tab.
• Excel Report Export (.xlsx): Hosts can download a 3-sheet Excel workbook (comprising Overview, Member details, and Transparency/Change logs) directly from the group details screen. The file is fully compatible with mobile apps like Google Sheets/WPS Office and can be shared via Zalo.
• Google Sheets Sync: Huio supports syncing data to Google Sheets via Google Identity Services (GIS) OAuth and Google Sheets API v4. Hosts export a 4-sheet spreadsheet to Google Drive with automated `=SUM` formulas for calculations of total contributions, payouts, and commissions, keeping data synced online.

All documents are A4-ready and open the share sheet (mobile) or print dialog (web) — share via Zalo or save as PDF.

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7. Interactions & Troubleshooting (FAQs)

• What is the difference between Offline and Online modes?

* Offline Mode: The host enters and manages all data manually. Members do not use the app and do not need accounts. * Online Mode: Members have accounts, can view their data, participate in real-time auctions in Live Auction, send payment confirmations, and sign digital contracts.

• Can I message the Host directly through the app?

* Yes, Huio includes a built-in direct messaging channel (Direct Messages / 1-on-1 Chat). Members can chat directly with the Host without switching to Zalo or SMS.

• How do I change my payout bank account details after a group has started?

* Members can go to Settings -> Bank Information to update their details. The new account will automatically be applied to all future payouts.

• Why are my Audio messages failing to send on Android?

* This is usually because Huio does not have microphone permissions. Go to Phone Settings -> Apps -> Huio -> Permissions -> enable Microphone.

• Why am I not receiving Push notifications?

* Make sure that notifications are allowed for Huio in your phone's system settings, and that you agreed to receive push notifications when logging in for the first time. * Huio supports multiple devices on one account: each phone/tablet registers its own push token. Sign out on a device removes that device’s token. * Financial and system alerts also appear inside the app as Huio system chat messages (and in-app banners) under the Messages (Tin nhắn) tab — there is no separate Notifications screen.

• Where do I find payment reminders, auction alerts, and Huio system messages?

* Open the Messages (Tin nhắn) tab. Public group events appear in the group chat; private/financial alerts appear in the personal Huio chat (cat mascot). Tap a push notification to open the matching chat and message.

• How do I contact Huio Support from the app?

* Open Messages → Huio Support, or use Feedback / support entry points that open the same support conversation. You can send text and images in that chat.

• How do I bulk print E2 invoices on Web?

* In Payments (Đóng tiền), tap Gửi phiếu hình ảnh hàng loạt. On mobile: one PNG share sheet per member; on web: browser print may be available.

• How do I quickly share the group summary report (E5) via Zalo?

* Open a completed group -> tap Tổng kết -> tap the share icon (📤 or Share PDF button) in the top-right corner -> select Zalo from the system share sheet.

• What is the difference between a "Pending" slot and an "Active" slot?

* A "Pending" slot is registered but waiting for the host's approval. An "Active" slot is officially approved and fully eligible to participate in auctions, contributions, and payouts when the group launches.

• Can members send photos of payment receipts directly into the Group Chat for the host to confirm?

* Yes. Members can tap the attachment icon (📎) in the Group Chat to send photos of their bank transfer receipts or screenshots. The photo will upload and display directly in the group chat for the host to verify and mark as paid.

• How does a member check their personal profit and loss (P&L) statement on the Web dashboard?

* The member logs into their account on the Web -> on the main Dashboard, looks for the My P&L Summary table -> the table lists total contributions, total payouts received, and net profit/loss across all groups they participate in.

• How do I start a private 1-on-1 chat with the host using the built-in direct messaging feature in the app?

* The member opens the group list -> selects the Messages tab or taps the Host's avatar in the Members tab -> selects Direct Message -> the 1-on-1 private chat window will open.

• What are the steps to join the group chat (Group Chat) of a group from the app's main dashboard?

* Open the app -> navigate to the group list -> select the corresponding group -> tap the Chat icon (chat bubble) in the top-right corner -> you will be redirected directly into that group's chat room.

• What are the steps to sync group data to a live Google Sheets spreadsheet using GIS OAuth connection?

* Open the group details on the Web -> select Sync Google Sheets -> log in with your Google account and grant OAuth access (Google Identity Services) -> select the target Drive folder -> click Start Sync. The data will sync automatically into a 4-sheet online spreadsheet.

• What are the steps to use keyboard shortcuts on the Web interface to work faster?

* On the Web Dashboard: press `⌘+K` (`Ctrl+K` on Windows) to open the Quick Search bar; press `⌘+N` (`Ctrl+N` on Windows) to open the draft group creation modal. Press `Esc` to close any open modal or popover.

• How do I install the Huio Web application as a PWA (Progressive Web App) on a desktop computer?

* Access `huio.app` in Chrome or Safari -> click the Install App icon in the right side of the address bar -> confirm installation. Huio will be added to your desktop as an independent app that runs without a browser tab.

• What are the steps to configure and connect a Google Drive account to auto-save exported reports?

* Go to Personal Settings -> Linked Accounts -> select Google Drive -> grant access to your Google Drive account -> enable Auto-save reports. All exported E5 (PDF) or Excel (.xlsx) reports will automatically save a backup copy to your Google Drive.

• How do I change the cycle period from weekly to monthly on an active group? What are the configuration steps?

* It is not possible to change the cycle frequency (period interval) after a group has been activated. The frequency is fixed once launched. If a change is absolutely necessary, the host must close the current group early and create a new group with the desired cycle configuration.

• How does a member view the list of all their signed civil contracts ('My Contracts') in the app?

* Go to Personal Settings -> My Contracts -> a detailed list of all signed digital contracts across groups will be displayed, where members can review the terms, digital signatures, and timestamp details of each contract.

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8. Fast Sign-in with Zalo

• How do I sign in to Huio using Zalo?

- On the login screen, tap the Zalo icon. Huio opens the secure Zalo OAuth authorization dialog (OAuth v4 PKCE). Tap "Allow" to connect your account. Then select your role (Host or Member), confirm your display name, and accept the Terms of Service to start using Huio immediately.

• Why does Zalo show a QR code when signing in on mobile Safari / Chrome?

- When signing in to Zalo on a new browser session or unfamiliar device, Zalo's security checkpoint may require 2FA verification. You can tap the `≡` menu on the Zalo dialog to select "Send login request" (receives an in-app push notification in Zalo on your phone without scanning), or scan the QR code if using a desktop. Once logged in, your session is remembered for future 1-tap logins.

• Is phone linking required when signing in with Zalo?

- It is optional. Your account is securely identified via your Zalo ID. You can start managing or joining groups immediately. If you want automatic contact matching with group hosts, you can link your phone number anytime in Settings.