Led01
Ledger
One group savings account for the whole circle. Every contribution, penalty and payout posts with a transaction ID any member can check — the circle's books, visible to all.
OpenGroup savings orchestration platform
Run your savings circle online. Sorted.
PayWallet is the platform behind mukando, stokvel, susu and every other circle: contributions land on schedule, each member's turn is paid on time, and one shared ledger proves every dollar moved — so the only thing your circle needs is trust in each other.
See how a round works· Free to create
Circles operated for
12,400+rounds settled
$2.1Mpooled to date
99.98%payouts on time
31countries running circles
Reminders
Members get a notice before the contribution date.
Your turn
The pool is paid to the person whose turn it is.
One wallet
Deposits, payouts, and withdrawals stay on the same ledger.
Organiser view
See who paid, who is late, and what already went out.
01 · How a round works
$ /Circle · One schedule
The circle, from first payment to final payout.
A savings circle only works when three things hold: money arrives on time, turns are paid on time, and the record is the same for everyone. PayWallet is built around exactly those three things.
Circles have run on cash, WhatsApp groups and a treasurer's notebook for generations. That breaks down quietly: someone pays late, a receipt goes missing, and the person holding the book becomes the question.
PayWallet keeps the tradition and removes the admin. The rules you already agree on — who pays what, how often, who gets the pool next — are set once, locked after the first cycle, and enforced by the platform instead of by awkward conversations.
Members can start with a single round. Everything runs on the same ledger from day one, and the free plan means a circle never pays to get organised.
Why circles switch →01.1 · Inside a round
Step by step · What each seat sees
Walk a round before you run one.
Step 1 of 4
Contributions land on schedule
Set the amount and the rhythm once — weekly, fortnightly or monthly. PayWallet reminds every member before each due date, receipts each payment the moment it lands, and flags anything late with the penalty your circle agreed on.
- Organiser: watches one live view instead of chasing ten people
- Member: gets a reminder, pays, sees the receipt instantly
- Ledger: every entry timestamped with a transaction ID
The platform
$/Platform · One ledger · One round
One platform. Every part of the circle.
Ledger, rounds, loans and payouts are not four products. They are the four things your circle does — collected, scheduled and proven on one shared record.
PayWallet platformMission control for your savings circle.
Explore the platformRnd02
Rounds
Classic rotation, hybrid savings or custom rules. Contribution dates, turn order and penalties are set once, then lock after the first cycle so the circle stays fair.
OpenLon03
Loans
Eligible members borrow against the round with admin, vote or automatic approval. Repayment schedules land on the ledger, next to everything else.
OpenPay04
Payouts
The pool is paid to the member whose turn it is — automatically tracked, timestamped and visible. Organisers see who paid, who is due and what already went out.
OpenLedger · Rounds · Loans · Payouts
Rules lock after cycle 01
02 · The PayWallet difference
Cash circles break on trust. Records keep it.
Most circles don't fail because people are dishonest — they fail because records are incomplete. PayWallet orchestrates the whole circle on one ledger: schedule, rotation, borrowing and proof, in one place.
Scheduled collections
Automatic reminders and receipts for every contribution. Members know what is due, organisers stop chasing.
One shared ledger
Every transaction ID is checkable by every member. The record stops being one person's notebook.
Locked round rules
Settings lock after the first cycle. No mid-round rule changes, no renegotiation, no quiet exceptions.
Turn-by-turn payouts
Everyone sees whose turn it is, when it lands and what went out. The next payout is never a surprise.
03 · Round simulator
Compare round economics · USD
See the full round before you create it.
Choose a round type, set the rules your group agrees on, and review the projected pool, payouts, reserves, lending capacity and cycle report before anyone contributes.
Round setup
Fixed rotation with one full pool payout per cycle.
12
360
$400
$10$1,000
12
336
Collection frequency
Standard · pool per cycle
$4,800
12 members × $400 monthly · 12 months total term.
Round term
12 months
12 cycles
Total contributions
$57,600
all members
Payout budget
$57,600
projected
Payout cycles
12
scheduled
Projected round report
Money movement at a glance
Payout per active cycle$4,800
Reserve retained$0
Each member contributes$4,800 / term
Estimated member return$4,800
Cycle-by-cycle report
12 rows| Cycle | Contributions | Action | Payout | Recipient |
|---|---|---|---|---|
| 01 | $4,800 | Payout cycle | $4,800 | Maidei |
| 02 | $4,800 | Payout cycle | $4,800 | Tendayi |
| 03 | $4,800 | Payout cycle | $4,800 | Nokutenda |
| 04 | $4,800 | Payout cycle | $4,800 | Rudo |
| 05 | $4,800 | Payout cycle | $4,800 | Kudzai |
| 06 | $4,800 | Payout cycle | $4,800 | Maidei |
| 07 | $4,800 | Payout cycle | $4,800 | Tendayi |
| 08 | $4,800 | Payout cycle | $4,800 | Nokutenda |
| 09 | $4,800 | Payout cycle | $4,800 | Rudo |
| 10 | $4,800 | Payout cycle | $4,800 | Kudzai |
| 11 | $4,800 | Payout cycle | $4,800 | Maidei |
| 12 | $4,800 | Payout cycle | $4,800 | Tendayi |
Projection only · final rules are agreed by the group
04 · Round types
Rotation · Hybrid · Custom
Start from a round you already recognise.
No circle has to be re-invented to go digital. Pick the shape you already run, set the numbers you already agree on, and let the platform carry the schedule and the ledger.
Rot01
Classic rotation
The mukando you know — digitised.
Equal contributions on a fixed schedule, the pool paid to one member per cycle in an order the circle agrees on. Settings lock after the first cycle so nobody can quietly change the rules.
- Fixed order or shuffled
- Equal shares, equal turns
- Late penalties on ledger
Hyb02
Hybrid savings
Contribute and borrow, side by side.
The circle keeps rotating while eligible members borrow against the round. Admin, vote or automatic approval — and every repayment posts to the same ledger the pool runs on.
- Borrow against your round
- Admin / vote / auto approval
- Repayments fully tracked
Cst03
Custom rules
Your order, your amounts, your penalties.
Unequal shares, tiered contributions, skipped turns, emergency draws — circles have always had house rules. Encode them once and the platform enforces them fairly, cycle after cycle.
- Unequal shares supported
- House rules encoded
- Changes need consensus
05 · Who it's for
Organisers · Members · Communities · Workplaces
The same circle. A clear seat for each person.
Everyone in a savings circle has a different job. PayWallet gives each seat exactly what it needs — and the same ledger underneath all of them.
Organisers
Set the rules once, then watch the ledger run: who paid, who is due, whose turn is next. Reminders, penalties and receipts happen without the chasing.
Members
Pay your contribution, watch your turn come up, and check any transaction ID yourself. Your standing in the circle is a record, not an opinion.
Communities
Mukando, stokvel, chama, equb — the names change, the mechanics don't. Keep the tradition while the schedule, ledger and payouts run themselves.
Workplaces
Run a staff savings circle on the same shared ledger, with payroll tools on the Business plan that let employees contribute straight from salary.
06 · Circles run on PayWallet
Proof over promises
Trusted by the circles that trust each other.
From three friends to a company-wide staff scheme, every circle gets the same record-keeping: schedule, rotation, loans and payouts on one ledger.
3×
faster settlements than notebook circles
98%
contributions paid on time
0
disputes the ledger couldn't settle
“We ran our mukando on WhatsApp and a notebook for six years. The month we moved to PayWallet, the chasing stopped — everyone just gets the reminder, and the ledger settles every argument before it starts.”
Tendayi M.
Organiser · 14-member mukando, Harare
“Our stokvel pays out in December, every year, without fail. PayWallet shows each member exactly what went in, what went out and whose turn is next. The December meeting is now a celebration, not an audit.”
Nomvula K.
Treasurer · 24-member stokvel, Bulawayo
“I borrowed against my round when my daughter's school fees landed early. Approved by the admin in an hour, repayment schedule on the ledger. It felt like a bank that actually knows me.”
Brian C.
Member · 9-member savings circle
From the journal
Ideas for stronger circles
Practical guidance for organisers and members, published by the PayWallet team.
PayWallet insights
Community•Oct 12, 2026
Why digital ROSCA circles are taking off in Zimbabwe
Mukando and stokvel traditions meet transparent schedules, fair payouts, and member trust.
Read articlePayWallet insights
Product•Oct 8, 2026
Fair payouts: how round order works
Classic rotation vs hybrid plans — what members should know before joining.
Read article07 · Pricing
USD · per organiser / month
Free to create. Clear when you grow.
Members never pay to be in a circle — organisers pick a plan when the circle outgrows the free tier. Every paid plan unlocks the same ledger, just with more room and more control.
Free
$0USD / mo
For a first circle getting organised.
- Up to 10 members
- 1 active round
- Shared ledger + transaction IDs
- Reminders & receipts
- Manual payout tracking
Group Plus
$2.99USD / mo
For family and friend circles that run all year.
- Up to 30 members
- 3 active rounds
- Loans module with approvals
- Late-penalty automation
- Member standing history
Plus
$5.99USD / mo
For serious circles with money on the line.
- Up to 100 members
- Unlimited rounds
- Multi-organiser control
- Custom rules & unequal shares
- Priority support
Business
$9.99USD / mo
For companies running staff savings schemes.
- Unlimited members
- Payroll-deduction tools
- Staff circle dashboards
- Finance-team exports
- Dedicated support line
Every plan · Every capability · One table
| Capability | Free$0/mo | Group Plus$2.99/mo | Plus$5.99/mo | Business$9.99/mo |
|---|---|---|---|---|
| Circle setup | ||||
| Members per circle | 10 | 30 | 100 | Unlimited |
| Active rounds | 1 | 3 | Unlimited | Unlimited |
| Shared ledger + transaction IDs | ||||
| Contribution reminders & receipts | ||||
| Money features | ||||
| Payout tracking | Manual | Manual | Automatic | Automatic |
| Loans module with approvals | ||||
| Late-penalty automation | ||||
| Member standing history | ||||
| Control | ||||
| Multi-organiser control | ||||
| Custom rules & unequal shares | ||||
| Role-based permissions | ||||
| Priority support | ||||
| Business | ||||
| Payroll-deduction tools | ||||
| Staff circle dashboards | ||||
| Finance-team exports | ||||
| Dedicated support line | ||||
All plans run on the same shared ledger · Members always join free
08 · Common questions
Straight answers
Everything circles ask before they switch.
Short, honest answers — no fine print, no jargon. If your question isn't here, the team answers every message.
Savings circles. One ledger.
Ready to start your round?
Create a free round in minutes, invite your members, and let the schedule, ledger and payouts run themselves. Your tradition — organised.
Free to create · No card required · Members pay nothing