Pricing
Simple monthly membership. No hidden fees.
Creating an account is free, and there is no charge to join a circle. Every member pays a flat monthly membership fee, with an optional add-on for circle coordinators:
Membership
$5 / month
Every personal account. Create and join circles, automated contributions, distributions to your bank, and Auto-Guarantee protection.
Coordinator Add-on
$20 / month (optional)
Added on top of the base membership for coordinators who run managed circles on behalf of a group, with a full activity log visible to every member.
Cooperative
$500 / month (per cooperative)
An entity-level fee for registered cooperatives operating circles at scale (KYB onboarding required). Individual members of a cooperative pay only the base membership fee.
Transaction fees and free features
- No fee or interest on Auto-Guarantee coverage — if UnitySave covers a missed contribution, the member repays only the principal within 14 days.
- Transparent transaction fees — standard USD ACH contributions cost 1%, capped at $6 per payment, deducted from the contribution. Distributions cost 0.50% of the amount remaining after contribution fees.
- No charge to invite or join — circles are free to create and join.
Stripe costs are included in these USD ACH transaction fees, not deducted a second time. These rates apply to future transactions in existing and new circles; past transactions are unchanged. Subscription fees are separate. No 60/40 revenue sharing is enabled. Other payment methods and currencies retain their existing pricing.