ayuta Pay vs Cube

Ayuta Pay empowers individuals and communities to fund each other through rotating savings groups and one-time crowdfunding, all without relying on banks or traditional financial institutions. Our platform is inspired by informal savings traditions like chamas, susus, and ayuta, and modernized to fit a secure, digital experience. Key Features: Group Funding (Rotating Savings & Credit Association) Create or join trusted funding circles. Each member contributes a set amount per cycle, and one member receives the full payout each round. Ayuta Pay automates the process, tracks contributions, and ensures fair and transparent payouts. One-Time Collections Need to raise funds for a special cause or emergency? Set a goal, invite contributors, and once your target is met, the money is sent directly to your chosen treasurer or recipient. Great for tuition, weddings, emergencies, or projects. Interest-Free Microloans No banks, no interest, no hidden fees. Use group support and social accountability to access needed funds, all built on mutual trust. Seamless Payments Members can pay securely via credit/debit card or e-check. Get real-time updates and alerts on contributions, group progress, and payouts. Encryption and compliance ensure financial security. Built for Community Ayuta Pay helps manage group dynamics with ease, track participant contributions, vote on payout schedules, and maintain a history of performance and trust. It’s more than money; it’s about connection and shared progress. Who Is It For? ● Immigrant and diaspora communities ● Entrepreneurs and side-hustlers ● Friends and family funding together ● Anyone seeking a bank-free, trust-based funding model Why Choose Ayuta Pay? ● No interest. No credit checks. ● Transparent group management. ● Mobile-first design. ● Secure & scalable. ● Empowers financial independence. How It Works: 1. Create or join a group. 2. Collect entry fees from members. 3. Vote on payout schedule or assign a treasurer. 4. Receive payouts and track contributions. 5. Create new groups and repeat the process. Ayuta Pay brings traditional community saving methods into the digital age, helping people fund dreams, emergencies, and goals together.

CUBE: SAVE TOGETHER, ON YOUR TERMS Cube helps groups save money together through shared savings cycles. Coordinate contributions, rotate payouts, and keep everything transparent, all without banks, interest, or middlemen. SHARED SAVINGS CUBES • Create or join private savings groups with people you trust •.Contribute on a set schedule and take turns receiving the full payout • Every Cube follows rules agreed on by the group • Designed for real-life goals like rent, cars, travel, emergencies, and family support CONTRIBUTIONS & PAYOUTS • Schedule contributions with clear due dates • Track who has paid and who is pending • Receive payouts directly when it’s your turn • view all contributions and payouts in one shared timeline TRANSPARENCY & TRACKING • See contributions, payouts, and balances clearly • Fully transparent activity across the entire Cube • Know exactly where your money stands at all times • No hidden rules, no surprises MESSAGING & COORDINATION • Message your Cube in one shared thread • Confirm payments and payouts instantly • Keep everyone aligned without side chats or confusion • Built for coordination, not noise CREATE YOUR OWN CUBE • Set contribution amounts and schedules • Choose how payouts rotate • Name your Cube and invite members • Run your group savings exactly how you want TRUST SCORE & CUBE HEALTH • Build trust through consistent participation • Trust Scores reflect contribution reliability • Cube Health shows how smoothly a group is operating • Designed to encourage accountability and follow-through BADGES & PROGRESS • Earn badges for consistency and reliability • Track your savings progress over time • Visual progress that keeps groups motivated FAST, INTENTIONAL SAVING • Save faster by pooling money together • Designed to reduce friction and delays • Money moves with purpose, not guesswork • Built for momentum, not waiting BUILT FOR REAL PEOPLE • No banks • No interest • No lending • No investing Cube is a coordination tool not a bank or financial institution. WHY CUBE • Money works better when people move together. Cube gives groups the structure, visibility, and coordination they need to save fairly and predictably on their own terms.