Save Together.
Grow Together.
UpCircle brings your community's rotating savings tradition — Ekub, Tanda, Ajo, Paluwagan — into a transparent, trusted digital home.
- Bank-level security
- Free to join
- No credit card
TOTAL IN CIRCLES
$4,800
Family Ekub
$1,200 pot
Coworkers Pool
$3,600 pot
Built on trust
Every circle is transparent — see who paid, who's next, and who's owed.
A global tradition
Ekub, Tanda, Susu, Ajo — one familiar practice, redesigned for today.
No interest, ever
Save and borrow with people you trust. No banks, no fees, no debt traps.
ONE PLATFORM, EVERY COMMUNITY
Your tradition, digitized.
Ekub
Ethiopia & Eritrea
Tanda
Mexico & Latin America
Ajo
Nigeria & West Africa
Paluwagan
Philippines
Hui
China & SE Asia
Gameya
Egypt & Middle East
Chit Fund
India & South Asia
Pardner
Jamaica & Caribbean
HOW IT WORKS
Simple as 1, 2, 3
Create Your Circle
Set contribution amount, frequency, and how many members rotate the pot. Done in two minutes.
Invite Your People
Share a private link. Anyone joins in one tap — no fees, no friction, no spreadsheets.
Save & Get Paid
Contribute every cycle and receive the full pot when your turn arrives. Transparent for everyone.
FEATURES
Built around how you already save
All the structure of a savings circle, none of the spreadsheets.
Payout Scheduling
Automatic round scheduling — everyone knows exactly when it's their turn. No disputes, no confusion, ever.
Full Transparency
Every contribution and payout logged in real time for the whole circle to see.
Trust Scores
Build a reputation that travels with you across every circle you join.
Smart Reminders
No more chasing members on WhatsApp. Gentle, automatic nudges.
Circle Dashboard
Track the pot, member status, and progress at a glance from any device.
Works for Everyone
Built for Ekub, Tanda, Ajo, Paluwagan — and any community saving together.
LOVED BY COMMUNITIES
What members are saying
We used to manage our ekub over WhatsApp — receipts everywhere. UpCircle made it effortless.
Tigist M.
Virginia, USA
Me and my coworkers started a savings circle and finally have a clean way to track who's paid and who's next.
Marcus T.
Texas, USA
The trust score feature is genius. It rewards the people who actually show up for the group.
Amaka O.
Maryland, USA
FAQ
Common questions
Is UpCircle free?
Yes — joining and creating circles is completely free. We may add optional premium features later, but the core experience will always be free.
Who can use UpCircle?
Anyone! Friends, families, coworkers, students, or any community group already saving together as Ekub, Tanda, Ajo, Paluwagan, or any rotating savings group.
Does real money move through the app?
Members can pay their contributions via Stripe, and admins can also record manual payments. You stay in control either way.
How many people can be in a circle?
From 2 to 50 members per circle. You can run as many circles as you like in parallel.
What if someone doesn't pay?
Admins can mark members late, which lowers their trust score. Trust scores travel with members across all their circles.
Ready to start saving with your people?
Set up your first circle in two minutes. No credit card required.