How it works
Simple steps. Bigger dreams.
The savings tradition you already know — mukando, stokvel, or rotating savings — now digital, transparent, and fair.
Create a Round
Set the rules once — type, amount, frequency, duration, reserve and payout order.
Join a Round
Members join with one invite link, verify identity, and accept the locked rules.
Contributions
Pay in on schedule. Every contribution posts to the shared ledger with a reference.
Payouts
Approve, schedule and send. Classic rotation or hybrid accumulate-then-payout.
The round lifecycle
Three phases. Ten steps. Fully automated.
Every round follows the same journey — from creation to completion. PayWallet handles the mechanics so your group just shows up.
Setup
- 1
Create
Set the rules once. Choose round type, amount, frequency and duration.
- 2
Configure
Payout order, reserve, grace period, penalties, loan rules.
- 3
Invite
One link. Members join and verify their identity.
Operate
- 4
Contribute
Automated collection. Reminders before, on and after due date.
- 5
Monitor
Round Health, contribution rate, on-time performance.
- 6
Resolve
Grace period, penalties and reserve cover — handled automatically.
- 7
Payout
Approved, scheduled and sent. Every payout has a record.
Complete
- 8
Report
Statements generated for every member, every cycle.
- 9
Complete
Final cycle reconciled. Full audit trail preserved.
- 10
Repeat
Start the next round with the same group in one tap.
Round Command Centre
Run the circle from one place
Sample organiser snapshot (illustrative figures) — pool, payments, next payout, and today's actions. Matches the portal Command Centre after you create a round.
Sample · Harare Friends Round
Pool
$1,200
Paid
8
Due
2
1 overdue
Next payout
Amina · $1,000
Cycle
4 / 10
Round timeline
Every payment leaves a trail
Sample events with completed, overdue, and scheduled steps — same story members see on Overview after signup.
- Completed
Tendai · $100
12 Sep · ref CON-1042
- Overdue
Chipo · $100
19 Sep · ref CON-1049
- Scheduled
Amina (payout) · $1,000
26 Sep · ref PAY-031
Ready when your group is
Pick a round type, try the planner, then create your first circle.