Savings Circles
The core primitive
A savings circle is a group of people who agree to pool money together on a regular schedule and rotate the pot to one member each cycle. Susu, Pardna, Stokvel, Tanda, Chama — same model, centuries old, now digital.
How a circle works
Members agree on bylaws
Contribution amount, cycle frequency, payout order, governance rules.
Multi-sig wallet created
Members hold the keys. Circl never custodies funds.
Cycles begin
Each cycle, members contribute. One member receives the full pot.
Rotation continues
Every member eventually receives a payout. Trust grows with consistency.
Example circle
Brown Family Savings
Built-in protections
Non-custodial
Funds in member-controlled multi-sig wallets. We never hold the keys.
Member-governed
Every action requires a member vote. Platform never decides.
Transparent
Every contribution, vote, payout recorded immutably and visible to members.