Circlepay: Save Together

Circlepay is the savings app built for students. Set a goal, save with your circle, and reach it faster.

Saving alone rarely works. Saving with your friends does. Circlepay lets you start a savings circle with people you trust, set a shared goal, and keep each other on track until you get there.

What you can do

- Save together. Create a circle with your friends, set a shared goal, and watch it grow as everyone puts in.
- Save on your own. Prefer to go solo? Set a personal goal and lock in your savings until you hit it.
- Run a rotating circle. Do your ajo or esusu with your group, fully tracked and automated, so no one has to chase anyone.
- Reach real goals. School fees, a new phone, a trip, rent, or just a safety net. Name your goal and make it happen.
- Build your Circle Score. Save consistently and grow a score that shows how reliable you are.
- Earn rewards. Invite your friends and earn bonuses when they join and start saving.

Your money, secure

Circlepay runs on the licensed infrastructure of Dot Microfinance Bank. Your wallet is a real bank account that you fund by transfer, and you stay in control of your money.

Made for students

Circlepay started on campus, for students who are tired of being broke and want a simple way to save with the people around them. No complicated finance. Just you, your circle, and your goals.

Start saving in minutes

1. Sign up and verify your identity.
2. Fund your wallet by bank transfer.
3. Start a circle or a solo goal.
4. Invite your friends and save together.

Save together, never broke.

Need help? Email circlepay@tosodigitaltechnologies.com