KinPay Circles

Community finance, digitised.

Savings groups and rotating funds already work. Circles gives them the structure: clear contributions, transparent payouts and a shared record every member can trust.

Member management

Add members, define roles and keep an accurate register of the group.

Contribution tracking

Record every contribution as it comes in, with no manual ledgers.

Rotating payouts

Set the payout order and schedule, and keep every cycle on track.

Cycle schedules

Automated reminders keep contributions and payouts on time.

Group transparency

Every member sees the same balances, history and upcoming obligations.

Trusted records

An auditable history of the group that survives changes in leadership.

How it works

  1. 1

    Set up the circle

    Define the group, contribution amount, cycle length and payout order.

  2. 2

    Invite members

    Members join and see the full schedule and their obligations upfront.

  3. 3

    Run every cycle

    Contributions and payouts are tracked automatically, cycle after cycle.

Built for

  • Savings groups and ROSCAs
  • Community associations and cooperatives
  • Workplace and diaspora savings circles
  • Organisations supporting community finance at scale

Bring your circle into one trusted system.

See how Circles fits your group or organisation with a short guided walkthrough.