Coordinate your savings circle with full transparency. Track contributions, manage payouts, and keep everyone accountable — no spreadsheets, no confusion.
Free. No credit card. No money held by this platform.
A savings circle is a trusted group savings method practised in virtually every culture on earth. Each member contributes the same amount each period, and one member receives the entire pool. The rotation continues until everyone has received their payout.
Example
10 friends each contribute $200/month. Every month, one person receives the full $2,000 pot. After 10 months, everyone has received their turn. No bank, no interest — just community trust.
The same idea, rooted in every culture — Osusu MoneyFlow works for all of them.
Osusu / Susu
West Africa & Caribbean
Chama
East Africa
Tontine
Francophone Africa
Chit Fund
India
Dhukuti
Nepal
Hui
China & Taiwan
Kye (계)
Korea
Tanomoshi
Japan
Tanda
Mexico
Pandero
Peru
Paluwagan
Philippines
Arisan
Indonesia
Hagbad
Somalia
Jamiya
Middle East
Gameya
Egypt
Likelemba
DR Congo
Whatever you call it in your community — Osusu MoneyFlow helps you run it.
Up and running in three steps
Set the contribution amount, payout frequency, and maximum members. You get a unique invite code to share.
Members join with your invite code. Once everyone's in, generate the payout rotation order with one click.
Members mark payments as sent, the recipient confirms receipt. The platform keeps a transparent record for all.
Cycle repeats until everyone has received a payout
Payout order generated and tracked automatically.
Every payment marked and confirmed on record.
Alerts when payments are sent or confirmed.
Full history visible to all group members.