EsusuHive vs PayCircle

Welcome to EsusuHive – your modern, trusted platform for community-driven savings. In many cultures, the ancient system of esusu (also known as susu, ajo, tontine) has enabled trusted groups to save, grow, and access funds together. With Esusu Hive, we bring that time-honored tradition into the digital age—secure, transparent, and built for your circle of family, friends or colleagues. Key features: Create or join a savings group (“hive”), set your contribution amount and frequency. Invite trusted members, track contributions, and manage group payouts—all in one place. Enjoy interest-free group savings—everyone contributes, everyone benefits. Receive notifications and updates to keep your group on track. Access your funds and payout history easily whenever your turn arrives. Why EsusuHive? Builds savings discipline while strengthening community trust. Gives you access to lump sums when you need them—whether for business, education, emergencies or big goals. Digital platform means no paper-logs, no confusion, no middle-man—just you and your group. Getting started is simple: Sign up and verify your account. Create your hive or join an existing one. Set the savings term (amount, frequency, duration). Invite your trusted members. Contribute, track, and in due turn receive your payout. Join thousands of savers who are leveraging the power of community and technology. Save smart. Save together.

PayCircle makes it easy to split expenses with friends, roommates, or anyone you share costs with. Create a group, add expenses, and see who owes whom—no spreadsheets, no confusion. How it works Create a group and invite people by link or code. Add expenses as they happen: who paid, how much, and how to split (equal, by percentage, or by shares). PayCircle calculates everyone’s balance and shows who owes whom. When someone pays back, record a settlement and keep the group up to date. Features • Groups – Trips, roommates, dinners, or any shared spending • Expenses – Add who paid, amount, and split type (equal, percentage, or custom shares) • Guests – Include people without an account so they can be in the split • Balances – See “who owes whom” and by-member totals • Settlements – Record when someone pays back to keep balances clear • Multiple currencies – Choose a currency per group Who it’s for PayCircle is for anyone who splits bills: friends on a trip, roommates sharing rent and utilities, colleagues sharing lunch or events, or family sharing costs. No complicated setup—create a group, add expenses, and settle up. Download PayCircle and stop chasing people for money.