Save together.
Grow together.
CircleSave digitizes Esusu, Ajo & Susu savings circles with a bank-grade double-entry ledger. Save in Naira or USDC โ transparently, securely, and with zero duplicate payouts.
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Two ways to save
Save in Naira
Bank transfer ยท Card ยท Mobile money
- โContribute in NGN via bank, card, or OPay/Kuda
- โReceive your payout to any Nigerian bank account
- โIdeal for local groups โ offices, families, neighbourhoods
- โBVN/NIN verification required for compliance
Save in USDC
Polygon blockchain ยท Stablecoin ยท Diaspora-ready
- โContribute USDC via Polygon wallet (low fees)
- โReceive payouts in USDC to any Polygon address
- โIdeal for diaspora circles across borders
- โNo exchange rate risk โ 1 USDC = $1 always
No need to start from scratch
Join an open circle
These circles are filling up. Join one โ one more member may be all it needs to activate.
How CircleSave works
Three steps from sign-up to your first payout.
Create or join a circle
Start your own savings group with a fixed contribution amount, pick a cycle length, and choose Naira or USDC. Or scroll down to join an open circle instantly.
Everyone contributes each cycle
All 5+ members contribute the agreed amount every cycle. 5% auto-allocates to an insurance reserve. Every payment is immutably recorded on the double-entry ledger.
Receive your payout in turn
Each member takes turns receiving the full pool. Payouts are idempotent and reconciled before disbursement โ to your bank account, mobile money, or USDC wallet.
Your money is protected at every step.
Built on the same principles as core banking systems. Every financial event creates an immutable, forensically auditable trail โ enforced by database trigger, not application code.
- โLedger entries append-only โ DB trigger blocks DELETE
- โFinancial fields immutable after creation
- โIdempotency keys prevent any duplicate payout
- โBVN/NIN KYC via Youverify + sanctions screening
- โAML risk scoring with automated SAR filing
- โMaker-checker approval for all admin actions
- โ5% insurance reserve ring-fenced per circle
// Every contribution: 2 atomic transactions
TX1:
DEBIT member SAVINGS_ACCOUNT โฆ50,000
CREDIT treasury PENDING_PAYOUT โฆ50,000
TX2 (insurance):
DEBIT treasury PENDING_PAYOUT โฆ2,500
CREDIT treasury INSURANCE_RESERVE โฆ2,500
โ Ledger balanced | โ Idempotent
Trusted by savers across Africa
โOur office ajo used to be managed in a WhatsApp group. Now every naira is tracked automatically and nobody can dispute who contributed what.โ
Chidera O.
Office Manager, Lagos
โThe immutable ledger gave our family circle the transparency we needed. My relatives abroad contribute in USDC and everyone sees the same records.โ
Fatima K.
Diaspora member, London
โAs the group admin, the reconciliation engine is a lifesaver. It alerts me immediately if any balance is off.โ
Emeka B.
Circle Admin, Abuja
Ready to start saving together?
Create your circle in 2 minutes. Invite your group, set the amount โ we handle the rest.