Treasurer FAQ

This page answers the questions we hear most often from people considering becoming a Treasurer on Circlworld. If your question is not here, the Treasurer Addendum covers the formal terms, and you can always contact us directly.

The pricing model below reflects Treasurer Pricing Structure v2.0. Treasurers progress through five CGP tiers; subscription cost and CGP allocation rate both follow tier. The canonical reference is the Treasurer Pricing page.

About the Programme

What is the Community Growth Programme (CGP)?

The Community Growth Programme is how Circlworld recognises Treasurer practice as community-building work. The Programme structure includes:

Five CGP tiers (Community Builder → Circle Steward → Community Anchor → Regional Custodian → Circl Ambassador) with progression decided by Member-voted attestation
Tier-locked subscriptions at each tier (£25 / £45 / £75 / £125 / £200 per month) — see Treasurer Pricing
CGP allocation rate per tier (15% → 25%) — the share of paid-Member subscription revenue routed to you through the compound subscription mechanism
Governance rights — Town Hall (Community) vote weight at higher tiers, Advisory Board eligibility, consultation requirements before material amendments
Community Participation Pool — 1% of the platform's eventual upside reserved for substantive Treasurer contributors, vesting at operational maturity

The CGP is not an affiliate scheme or referral programme. Treasurers administer Circles for their Members; the platform's recognition is structural (tier, governance, Pool) rather than direct platform-to-Treasurer payment.

Who can become a Treasurer?

Any adult Member who:

Holds a Circlworld account
Completes Identity Verification at Level 2
Has verified address in their operating jurisdiction
Provides source-of-funds attestation
Passes AML and sanctions screening
Accepts the Treasurer Addendum (the annual commercial agreement between Circlworld and Treasurers)
Acknowledges the Acceptable Use Policy and Charter documents

What makes a successful Treasurer is genuine community connection — existing relationships with people who would benefit from participating in Circles. The best Treasurers come from churches, sports clubs, neighbourhoods, workplaces, faith communities, and diaspora networks.

Is this multi-level marketing?

No. There is no recruitment of other Treasurers, no compensation for bringing other Treasurers in, no commission on what other Treasurers earn. You earn from your Members' Circlworld subscriptions through compound routing at your CGP tier's rate. None of this is MLM.

Pricing and Earnings

How does the pricing model work?

You enter at Community Builder (or, if you're a migrating practitioner, at the tier matching your documented history). You progress through CGP tiers via Member-voted attestation. Your subscription cost and your CGP allocation rate both follow your tier:

| Tier | Subscription | CGP rate | |---|---|---| | Community Builder | £25/month | 15% | | Circle Steward | £45/month | 18% | | Community Anchor | £75/month | 20% | | Regional Custodian | £125/month | 22.5% | | Circl Ambassador | £200/month | 25% |

You cannot self-select a tier. The canonical reference with full detail is the Treasurer Pricing page.

How much can I earn?

Your gross monthly earnings = sum across your Members on paid Circlworld tiers of (Member's Circlworld subscription × your CGP tier's allocation rate). Subtract your subscription cost at your tier to get your net.

A Community Anchor (20% allocation rate, £75/month subscription) with 60 Credit Builder Members + 25 Pro Members + 2 Business Members would earn:

60 × £9.99 × 20% = £119.88
25 × £29 × 20% = £145.00
2 × £199 × 20% = £79.60
Gross: £344.48. Less subscription: £75. Net: £269.48/month.

The interactive Earnings Calculator lets you model your own scenario.

Does Circlworld pay Treasurers anything directly?

No. The CGP recognises your community-building work structurally:

Tier progression — your tier is part of your public record and shifts your CGP allocation rate up
Governance rights — Town Hall (Community) vote weight (Community Builder 1.0× through Circl Ambassador 3.0×), Treasurer Advisory Board eligibility, 30-day consultation requirement before material amendments
Community Participation Pool — 1% reserved allocation of the platform's eventual upside, vesting at operational maturity (500+ active Treasurers, 10,000+ active Members, 24+ months of CGP operation)

The separation (no direct platform-to-Treasurer payment) is structural and intentional. It establishes you as an independent practitioner using Circlworld as your infrastructure supplier rather than as platform-managed labour.

How are subscription bills and Member fees collected?

You pay your Treasurer subscription through the payment rail that works in your jurisdiction (Stripe Connect / Wise for UK + US, WiPay / Lynk / JN Pay for Jamaica, Paystack / Flutterwave for Nigeria, Flutterwave / M-Pesa for East Africa, local rail or manual fallback elsewhere). Circlworld absorbs FX cost; your subscription stays in your operating currency.

Member contributions to the Circle itself are collected per the Treasurer-mediated payment architecture — Members send their cycle contributions to you through whichever rail your Circle uses (bank transfer, mobile money, local rail). This is independent of any Circlworld subscription a Member may have. Members' Circlworld subscriptions (Free / Builder / Pro / Business) are collected by the platform directly; the compound mechanic routes your CGP allocation share to you via monthly settlement.

Can I see my earnings in real time?

Yes. Your Treasurer Dashboard shows:

Active Members across your Circles
Current CGP tier
CGP allocation rate
Compound-routed earnings accruing for the current period
Subscription cost for the period
Net for the period
Practice metrics (retention, cycle completion)

Numbers update as platform events occur.

Becoming a Treasurer

How do I apply?

Make sure you meet the entry requirements above
Submit the Treasurer Application
Wait for Circlworld review (typically 3–5 business days)
If approved, complete onboarding (Treasurer Addendum review, payment method setup, jurisdiction-specific guidance)
Begin practice at Community Builder; migrating practitioners with documented history may be placed at a higher entry tier through the assessment path

What does onboarding involve?

Review of the Treasurer Addendum
Acknowledgement of the fiduciary obligations
Review of the Treasurer Tier Algorithm and Code of Conduct
Jurisdiction-specific tax guidance
Configuration of your payment method for paying your platform subscription and receiving your monthly CGP allocation settlement

The process takes about 30–45 minutes. Each step is recorded in your consent log.

Can I be a Treasurer in multiple countries?

Yes. Your contracting Circlworld entity is determined by your ordinarily-resident country. You can administer Circles whose Members are in multiple countries, but your tax obligations and earnings are calculated based on your own jurisdiction. Cross-jurisdictional practice unlocks at the Regional Custodian tier.

The Treasurer Role

What does a Treasurer actually do?

A Treasurer:

Creates and administers Circles — setting terms, inviting Members, running the rotation
Receives contributions from Circle Members (typically into your own bank account)
Confirms receipt via the dual-attestation flow in the platform
Disburses payouts to Members at their scheduled position
Resolves concerns when they arise within the Circle (with Resolutions infrastructure available for cases that need formal mediation)
Maintains records in the platform
Builds trust with Circle Members through reliable, consistent practice

The dual-attestation flow and the platform's transparency surfaces mean every action is observable and recorded.

Do I hold Members' money in my own bank account?

No. This is the member-to-member custody model. Members contribute through their own bank accounts directly to whichever member is due that round's payout. You govern the rotation, publish the receiving member's routing details, record each contribution on the platform, and confirm each payout. Funds are held by the members themselves, in a dedicated Circle account, or by a partner institution — never by Circlworld and never by your personal account.

This is how community savings has always worked. Circlworld adds the structured layer (records, dual attestation, transparency, dispute mechanism) that makes the practice transparent and accountable — without changing the underlying custody.

The Custody Framework Charter specifies the three custody categories (A: member-to-member or dedicated Circle account by Member vote; B and C: partner-institution escrow only) and the operational requirements that come with each.

What if a Member doesn't pay?

The dual-attestation flow records each expected contribution. If a Member fails to attest "I sent it" by the due date, the platform sends reminders. If they continue to fail, the contribution is marked as missed.

You have options:

Follow up personally — sometimes Members just need a reminder
Open a Resolution — formal mediation through Resolutions (the Dispute Settlement Centre architecture in operative documents)
Mark the contribution as missed — affects the Member's Standing
Discuss with the Circle — sometimes the group decides to absorb, rearrange, or apply the Circle Protection Reserve

The platform's transparency surfaces make all this visible. You are not making decisions in isolation.

What if I make a mistake or lose track?

Mistakes happen. The audit log records every platform event so reconstructing what happened is straightforward.

If you have made an error in confirming a contribution, you can amend it (with a logged reason). If you have forgotten to disburse a payout, you can still do it (with the Member's acknowledgement). The platform's safeguards are designed to catch and recover from honest mistakes.

Dishonest conduct is a different matter — see the conduct standards in the Treasurer Addendum.

What is the risk to me personally?

Two main risks:

Fiduciary liability — if you mishandle contributed funds (fail to disburse, misappropriate, etc.), you can be held personally liable to Circle Members. Civil liability for breach of contract or breach of fiduciary duty.
Tax liability — your CGP allocation settlements are taxable income. You are responsible for filing and paying tax in your jurisdiction.

Read the Risk Disclosure carefully. The platform's safeguards (transparency, audit log, Resolutions, dual confirmation) significantly reduce the risk of inadvertent breaches.

Is the Treasurer a regulated role?

Generally, no. Operating an informal community savings circle does not constitute regulated financial activity in Jamaica, the UK, or the US under current law. Pardna, susu, chama, and similar practices are recognised and lawful.

Your role becomes regulated if you operate at significant commercial scale, hold yourself out as providing regulated services (banking, lending, insurance), or cross into deposit-taking activity. Circlworld's structure (Member-administered Circles, non-custodial protocol layer) is designed to keep Treasurers within the informal community savings category. The Treasurer Addendum makes this explicit.

Money, Tax, and Compliance

How do I pay tax on Treasurer earnings?

You are an independent contractor for tax purposes. CGP allocation settlements are taxable income in your jurisdiction.

Jamaica: Register as self-employed if required. File annual returns with Tax Administration Jamaica. Consider GCT registration if your annual gross revenue exceeds J$10 million.
United Kingdom: Register as self-employed with HMRC if your annual gross revenue exceeds £1,000. File annual self-assessment returns. Consider VAT registration if your annual gross revenue exceeds £90,000.
United States: Receive a 1099-NEC for earnings exceeding $600/year. File federal and state returns. Make quarterly estimated payments.

Circlworld provides an annual income statement in a format suitable for your jurisdiction. Consult a qualified tax adviser — we do not provide tax advice.

Do I need a separate bank account for Circle funds?

Strongly recommended. The Treasurer Addendum specifies that you commit to keeping Circle funds segregated from your personal funds in practice. A dedicated account or sub-account makes tax reporting cleaner, AML conversations with your bank easier, and personal record-keeping straightforward.

What if my bank closes my account?

This sometimes happens — banks have AML monitoring that occasionally flags pardna-like activity, particularly for new accounts.

If this happens:

Do not conceal your Circle activity from the bank. Concealment is more likely to trigger AML concerns than transparency.
Provide your Circlworld audit log as supporting evidence of legitimate activity.
Explain the pardna structure to the bank's compliance team. Most banks recognise pardna and similar practices.
Switch banks if necessary — have a backup payment method ready.
Notify Circlworld — we can support you in this conversation if needed.

Are Treasurer earnings considered employment?

No — self-employment. You are an independent contractor, not an employee. This means no employment benefits, no PAYE deductions, you are responsible for your own tax filings, you can have other income sources (and most Treasurers do). The Treasurer Addendum makes this classification explicit.

Conduct and Standards

What conduct does Circlworld expect?

The Treasurer Addendum and Treasurer Code of Conduct specify the standards in detail. The essentials:

Honesty in all communications with Members, with Circlworld, and in your record-keeping
Respect for Members — no pressure, coercion, or harassment
Disclosure of your CGP tier and the corresponding allocation rate when recruiting or forming Circles
No sham Circles created primarily to generate fees
No false attestations — confirmations of receipts that did not happen
No misrepresentation of your relationship with Circlworld
Compliance with applicable law in your jurisdiction
Respect for Member privacy — no data sharing outside the platform

The full list is in the Code.

What happens if I violate the standards?

Depending on severity: warning for minor first violations, probation for moderate violations (90-day monitoring), tier review if your tier was inflated by violative behaviour, subscription suspension for significant violations, termination for the most serious. Due process applies — you are notified, given an opportunity to respond, and informed of the outcome. Appeals route through Resolutions.

The vast majority of Treasurers never face any of this.

Termination and Changes

Can I leave the Programme?

Yes, at any time, with 30 days' written notice. Your subscription ends at the end of the current billing period. You remain a Circlworld Member separately — Treasurer status is in addition to, not in place of, your Member account.

If you leave, your active Circles continue under your administration through cycle completion. Members are not affected by your subscription decision.

What happens to my Members if I leave permanently?

Your Members belong to your practice. Circlworld does not own your Member relationships and does not insert non-compete or non-solicit clauses. With your Members' consent, your Member-Treasurer relationships move with you to another platform or to independent operation. Circlworld provides structured Member data export with Member consent if you choose to move platforms.

This is the Treasurer-Member relationship continuity commitment. Your practice is yours.

Can Circlworld remove me from the Programme?

Yes, in two circumstances:

For cause — material breach, fraud, fiduciary failure. Immediate termination possible.
Without cause — 90 days' written notice. Active Circles continue under your administration through cycle completion.

Will the Programme change?

Programme parameters (subscription prices per tier, CGP allocation rates per tier, tier thresholds) may be updated through the Member-led Charter amendment process. We commit to:

At least 60 days' written notice of material changes that affect your earnings or obligations
Your right to decline renewal if pricing changes adversely to you
Treasurer Commons consultation channel for 30 days before material amendments take effect

The current parameters are in the Treasurer Pricing page.

Practical Matters

How do I learn to be a good Treasurer?

Circl Academy is the comprehensive learning surface. It covers Treasurer-specific paths (Run a Circle: Foundation, Intermediate, Advanced, Multi-Jurisdictional certifications), Cultural Heritage Studies for tradition-specific practice, Founders' Course for orientation, and practical operations content.

The Treasurer Commons in the Forum is where Treasurers connect with each other — peer learning, shared practice resources, platform consultation.

Where do I go for help?

Operational questions about running Circles → Treasurer Commons or support@circlworld.com
Pricing or subscription questions → /treasurers/pricing or contact us
Tax questions → your accountant (we do not provide tax advice)
Conduct or dispute questions → Resolutions or compliance@circlworld.com

Higher tiers carry faster support response (Community Anchor 24 hours, Regional Custodian same day, Circl Ambassador same day + dedicated relationship contact).

Can I make this my full-time work?

The Earnings Calculator shows what the structure looks like at different practice scales. A Circl Ambassador with a substantial paid-Member cohort can net a meaningful monthly income; the specific number depends on your CGP tier and how many of your Members are on paid Circlworld tiers.

Building to those scales takes years of focused, ethical community-building. The Treasurers who reach the top tiers are those who genuinely commit to community-building as a craft.

Still have questions?

If your question is not answered here, contact us directly or read the Treasurer Addendum for the formal terms.

Ready to apply? The application takes about ten minutes.

This FAQ is for general information about the Community Growth Programme under Treasurer Pricing Structure v2.0. It is not legal, tax, or financial advice. For your specific situation, consult appropriate professional advisers.