
Circlepay NG
Save together, never broke
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Free
About
Circlepay helps you build a savings habit that actually sticks, on your own or with the people you trust.
Most of us plan to save every month, then it's gone before we notice. Circlepay fixes that by making saving social, simple, and something you look forward to.
WHAT YOU CAN DO
- Set a personal savings goal and watch it grow.
- Start a circle with friends and save toward a shared goal together.
- Run a rotating savings group, the ajo or esusu you already know, with a clear schedule and no chasing anyone for money.
- Fund your wallet instantly with your own dedicated account number.
- Withdraw to your bank whenever you need to.
- Grow your Circle Score as you save consistently and unlock higher tiers.
- Get reminders so you never miss a save.
SAVE TOGETHER, NEVER BROKE
Saving alone is hard. Saving with people who are counting on you is a different thing entirely. Circlepay brings your circle into your savings so you actually follow through.
SAFE AND REGULATED
Your money moves on regulated bank infrastructure through our licensed partner, Dot Microfinance Bank. We verify identity to keep accounts secure and meet financial regulations.
BUILT BY STUDENTS, FOR STUDENTS
Circlepay was built at Pan-Atlantic University by two students who wanted a better way to save on campus, with the people they save best with.
Start building the habit today.
Questions? circlepay@tosodigitaltechnologies.com
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What's New in Circlepay NG
1.1
June 29, 2026
Small update, big difference. Sign-up is smoother now, the face check walks you through it before the camera opens, and email codes arrive faster. Thanks for saving with us, more coming soon.
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