Njangy vs Cirkkle

Njangy is a comprehensive community support platform offering multiple financial services. Our platform provides ROSCAs (Rotating Savings and Credit Associations) — known by various names worldwide: • Africa: Djanggi/Njangi (Cameroon), Esusu/Ajo (Nigeria), Chama (Kenya), Stokvel (South Africa), Susu (Ghana), Tontine (West Africa), Ekub (Ethiopia) • Asia: Chit fund (India), Arisan (Indonesia), Paluwagan (Philippines), Hui (China/Vietnam), Kye (Korea) • Latin America: Tanda/Cundina (Mexico), Pasanaku (Bolivia), Sou-sou (Caribbean) • Middle East: Gam'eya (Egypt) Njangy enables users globally to create and participate in these rotating savings groups with transparency, security, and flexibility. Beyond ROSCAs, Njangy offers personal Savings Goals for managing individual savings targets with deadlines, automated reminders, and progress tracking. Users can also access low-interest loans from their ROSCA groups or directly from the platform when they meet requirements. This unique combination makes Njangy a complete financial solution for communities worldwide.

Cirkkle is the digital tontine (savings circle) built for the African diaspora in France. Save with people you trust—simply, transparently, and securely—without the hassle of chasing payments or managing spreadsheets. What you can do - Create or join a tontine in minutes (family, friends, associations, community groups) - Contribute and receive automatically through your Cirkkle Wallet - Track everything in real time: members’ status, payments, payout turns, and history - Reduce disputes with clear rules and full traceability - Get automatic reminders before each due date to avoid late payments Why the diaspora uses Cirkkle - Trust: verified identities and stronger protection against scams - Simplicity: no more spreadsheets, screenshots, or endless follow-ups - Transparency: everyone sees the same information at the same time - Community: collective saving to support projects in France and back home in Africa What it’s for Emergency savings, back-to-school expenses, weddings, travel, housing, family projects, community support… A tontine is structured saving—keep the “as it’s always been” spirit, with modern tools. Security & compliance Identity verification and anti-fraud checks Transaction monitoring and full activity history Human support (questions or need help? We actually reply)