Run your ajowithout chasingpeople to pay.

Nothing for now. Members never pay, and while we’re in early access the contribution is free for the organiser too, right to the last turn. After that, the first turn is free and then it’s ₦100 a person for each turn, paid once. A 10-person contribution comes to ₦9,000. No commission, and no cut of anybody’s turn.

Someone collects early, then stops paying. Everyone after them waits, and a few people end up covering for them. That’s how a good contribution scatters. CircleSave is built so one person slipping doesn’t take the whole group down with them.

People rarely vanish overnight. The transfers come a little later each round, then the excuses start. If someone is late two rounds running, or tells us twice that they’ll be late, we let you know privately. That’s often before collection day, so you can have a quiet word while it still helps.

You keep it. Same WhatsApp group, same people. You bring the contribution onto CircleSave: who’s in, how much, and which round you’re on. Everyone keeps chatting where they already chat. Nobody has to download anything.

No. Not one naira. Members transfer to whoever’s turn it is, the way they already do. We never hold the money. We keep the round clear and tell you when someone looks likely to miss.

Your name and number, and whether you’ve paid each round. Once you add the account you’ll collect into, they also see the name on it, its last four digits and whether your ID check is done. If you’re late two rounds running, they get a private flag so they can talk to you. They never see your account balance or your other chats.

No. You send a link, they tap it and they’re in. They don’t need an app store, a password or another group to join.