Circlepay NG vs AyuutoCircle

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

AyuuutoCircle is the easiest way to run a savings circle with family and friends. Whether you call it an Ayuuto, Susu, Tanda, Chit Fund, Hui, or ROSCA — AyuuutoCircle keeps everything organised so you can focus on saving together. WHAT IS A SAVINGS CIRCLE? A savings circle is a trusted group of people who each contribute a set amount regularly. Every cycle, one member receives the full pot. It's a proven, community-driven way to save and access a lump sum — used by millions of families worldwide. HOW IT WORKS 1. Create or join a circle 2. Members contribute each cycle 3. One member receives the full payout per cycle 4. Repeat until everyone has received their payout KEY FEATURES • Create unlimited circles and invite members via a shareable link • Track who has paid and who is still pending at a glance • Animated progress ring shows collection status in real time • Automatic payout scheduling keeps the order fair and transparent • Payout history so every cycle is accounted for • Group chat to keep members coordinated • Full dark mode support • Simple Mode for accessibility PREMIUM Upgrade once, own it forever: • Send payment status summaries directly to WhatsApp • Export financial statements • Unlimited circles • Ad-free experience & priority support BUILT FOR TRUST Ayuuuto Circle puts transparency at the centre of every circle. Organisers mark payments, members see their standing, and everyone stays on the same page. Download free and start your first circle today.