Pool money.
Take turns. Build trust.
Circl brings the world oldest savings tradition online — rotating savings circles, practised by every culture on earth. Member-governed, transparent, and open to everyone.
Non-custodial · Member-governed · Free to join
Every culture has a name for it
Rotating savings circles have been practised for centuries worldwide. Circl is the digital infrastructure for all of them.
Pardna
Caribbean
Susu
West Africa
Chama
East Africa
Tanda
Latin America
Chit Fund
India
Gye
Korea
Paluwagan
Philippines
Savings Club
UK and Europe
Whatever you call it in your community — Circl works for you.
Simple by design
The mechanics of a savings circle, with digital trust built in.
01
Form your circle
Invite people you trust. Set the contribution amount, cycle length, and payout order. Your circle, your rules.
02
Contribute each cycle
Every member transfers directly to the treasurer. Records and confirmations happen on the platform.
03
Take turns receiving
One member receives the full pool each cycle. Rotation continues until everyone has received once.
Built on three principles
Members decide
Every financial action is approved by member vote. The platform facilitates; it never overrides.
Governance is transparent
Each circle defines its own bylaws. Voting is weighted, transparent, and recorded permanently.
Circl never holds your money
Funds go directly to your elected treasurer. Circl records every transaction but never touches the money.
For any group. Any currency. Any culture.
Whether you are a Jamaican family running a Pardna in London, a group of colleagues starting a savings club, or friends across three continents — Circl gives your circle the tools to govern itself, track contributions, and build financial trust together.
Supports JMD · GBP · USD · CAD · EUR and more
Start your circle free$0
Platform fees during beta
100%
Member-governed — Circl never decides
0
Funds held by Circl — ever