01
Set up your circle
Choose the amount, rhythm and member limit. Get one invite link to share.
Built for people who already trust each other
Your savings circle, clearer for everyone.
Coordinate contributions, payout turns and confirmations in one calm, shared place. Osusu MoneyFlow never touches your money.
Payments stay between membersEvery confirmation is recorded
Sunday Family Circle
8 members · Monthly
Amina's payout
$1,600 AUD
6 of 8 in
AM
RP
ML
SO
KJ
Ravi confirmed
Your circle is 75% complete
Different names. One trusted practice.
OsusuChamaTandaHuiPaluwaganPartner
The simple version
No spreadsheets. No wondering who did what.
The app keeps the shared record tidy while your circle keeps its own payment habits, relationships and decisions.
02
Agree on the rotation
Everyone can see who receives the pot, who comes next and when each turn is due.
03
Confirm together
Members mark payments as sent. The recipient confirms what arrived. The group sees the same record.
Roots and reach
An old promise, carried forward.
Savings circles have helped families, friends, neighbours and communities build together for generations. Osusu MoneyFlow gives that promise a shared digital record while keeping people at the heart of it.
AM
RP
ML
SO
Every circle keeps its own character.
What feels different
Designed around the moments that matter.
Know what needs you
See the next contribution, confirmation or payout without digging through a wall of statistics.
Keep people visible
Names, turns and shared progress stay at the centre of every circle.
Gentle accountability
Clear reminders and a permanent activity record reduce awkward follow-ups.
Mark the milestones
Every completed contribution and payout gets the recognition it deserves.
One practice, many homes
Whatever your community calls it, you are welcome here.
Osusu / Susu
West Africa
Chama
East Africa
Tontine
Francophone Africa
Stokvel
Southern Africa
Chit Fund
India
Dhukuti
Nepal
Hui
China & Taiwan
Kye
Korea
Tanomoshi
Japan
Paluwagan
Philippines
Arisan
Indonesia
Tanda
Latin America
Partner
Caribbean
Jamiya
Middle East
Your money stays yours
We coordinate. You pay each other.
Use bank transfer, cash, PayID or whatever your group already trusts. Payments happen directly between members. Osusu MoneyFlow never holds, routes or manages funds.
No bank connection required
There is no Osusu MoneyFlow wallet or pooled account.
Two-sided confirmations
A member marks sent; the recipient confirms receipt.
Records, not transactions
The platform tracks the agreement and activity only.
Bring your people together