How UnitySave Works

Three steps to start saving with your community.

1. Create your circle

Set your contribution amount, frequency, and invite friends or family. Customize everything to fit your group.

2. Save automatically

Link your bank account or card. Contributions are collected on your circle's cycle day — fully automated, no chasing required.

3. Receive distributions

When it's your turn, the full pool goes directly to your bank account. Track everything in real time.

What if someone misses a payment?

UnitySave's Auto-Guarantee Policy covers a missed contribution so the circle continues uninterrupted — no fee, no interest — and the member has 14 days to repay the principal. Circles keep moving; members stay protected.

One tradition, many names

Rotating savings circles have existed for centuries across cultures — Ajo and Esusu in Nigeria, Stokvels in South Africa, Chamas in Kenya, Gameyas in Egypt, Tandas and Sou-Sous across the Americas. UnitySave brings this tradition online with the trust and transparency it deserves.

Create your free account — no credit card required.