Circlworld — Your savings group, on the record.

When all contributions for a period are confirmed, the next member in the rotation receives their hand. Processing a payout is straightforward but must be done carefully. The steps: 1. Verify all contributions are confirmed for the current period (the dashboard shows a green tick when all are in) 2. Review the payout amount: total contributions minus the CPR deduction, minus the platform fee, minus your governance fee (if you charge one) 3. Click "Process payout" — the platform generates a payout instruction showing the exact amount and the receiving member 4. Execute the payout: transfer the funds from the circle account to the receiving member, or confirm the institutional payment 5. Once the member confirms receipt, mark the payout as complete The member's record shows the payout received, the amount, and the date. This completes their "hand" for the cycle. If a contribution is missing (a member has not paid), do not delay the payout to the receiving member. Use the Circle Protection Reserve to cover the shortfall. The receiving member should not suffer because another member defaulted. Handle the default separately. The platform fee is deducted automatically: 3.0% on Explorer (free tier), scaling down to 1.0% on Business. Your governance fee, if any, is also deducted. The member sees the net amount.

Processing payouts

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