Cirkkle vs Togethrust

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)

Togethrust brings the tontine, the trusted way to save together, to your phone. Create or join a tontine, top up your wallet, contribute every cycle and receive the pot on your turn. FEATURES • Create a tontine in a few steps: amount, frequency, number of spots and maximum coefficient per member. • Join a tontine with an invitation code and sign your contract online. • Hold several spots to receive the tontine several times, and choose a coefficient for each: contribute more to receive more. • Top up your wallet by card or SEPA direct debit. Your saved cards and mandates are offered to you. • Contribute from your wallet, by hand or automatically. • Receive your distributions according to your turn in the cycle. • Follow your balance, your contributions and each tontine's history in real time, exportable as a PDF. • Conviviality: exclusive perks at our partner restaurants. • Built-in identity verification, simple and secure. • Notifications so you never miss a due date. SECURITY & COMPLIANCE Togethrust is a crowdfunding intermediary registered with ORIAS (no. 24006639). Your payments are processed by a licensed provider and your personal data is protected under the GDPR. Usage statistics are collected only with your consent. Join Togethrust and save together, with confidence.