CerclePay turns traditional rotating savings groups into a transparent, trackable financial platform. Contributions, payouts, loans, fines. Every franc accounted for.
Create Your Circle →Traditional tontines track money informally. CerclePay gives every flow structure, transparency, and a permanent record.
Regular savings payments from each member. Tracked per cycle, per share, on time or overdue.
The collected pot distributed to the next member in rotation. Scheduled and transparent.
Internal community lending from the common fund. Borrow from the group, not a bank.
Penalties for late payments or missed meetings. Group discipline, enforced fairly.
CerclePay models how tontines actually work, not how fintech thinks they should.
One member, multiple hands. Hold 2 or 3 shares for larger payouts, just like the real thing.
Weekly or monthly frequency. 6 members or 60. CerclePay handles the rotation math.
Generate group logos, payout certificates, and event posters. Your cercle deserves a brand.
Every contribution, payout, loan, and fine. Searchable, exportable, auditable.
CerclePay speaks the languages your community speaks. Fully localized, not just translated.
Centuries of collective savings wisdom, now with the transparency and structure modern communities deserve.
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