Run your savings group with confidence.
Monicircle helps savings groups and trusted communities manage members, contributions, records and payouts in one organized place — while keeping the admin in control.
Monthly Savings Circle
₦30,000/ member
Next payout
₦300,000
Members active
All contributions on track
Your group already works. Monicircle makes it easier to manage.
You don't need to change the way your community works. Keep your existing members, rules and relationships. Monicircle gives your admin a clearer way to organize everything.
Keep Your Rules
Set contribution amounts, schedules, deadlines, penalties and group policies according to how your group operates.
Keep Your Community
Your members remain in control of the relationships that make the group work.
Upgrade Your Records
Replace scattered screenshots and notebooks with organized contribution and payout records.
Why groups switch to Monicircle
Missing records? Not anymore.
No more "let me check my messages" when someone asks if they've paid. Every contribution, every payout, every rule — written down and easy to find.
Give your admin fewer things to chase.
Running a savings group takes more than collecting contributions. Admins spend time reminding members, checking payments, updating records and answering questions. Monicircle brings those responsibilities into one organized workspace.
Manage Members
Invite members, activate memberships and keep member information organized.
Set Group Rules
Define how the group operates before contributions begin.
Track Contributions
Know who has paid, who is pending and what has been recorded.
Manage Payouts
Keep a clear record of scheduled and completed payouts.
Send Updates
Communicate important group information without losing it in a long conversation thread.
Keep a History
Every important action has a record that can be reviewed later.
Trust isn’t a feature. It’s the foundation.
Every record is visible to the people it affects. Every rule is set by the group, not by us. Monicircle is built to support how trusted communities already save together — not to take control away from them.
Keep WhatsApp for conversations. Use Monicircle for the records that matter.
This isn't about replacing what your group already loves using to talk. It's about giving the money side of things a home that doesn't disappear into chat history.
Scattered today
- WhatsApp threads
- Payment screenshots
- Bank alerts
- Notebooks
- Spreadsheets
- Manual reminders
Organized with Monicircle
- Members
- Group rules
- Contributions
- Payouts
- Records
- Reports
From first invite to a completed cycle.
Create your group
Set up your savings group and define how it works.
Invite your members
Invite members using their phone numbers or a group invitation.
Manage contributions
Track contributions and keep a clear record of every member's activity.
Complete the cycle
Manage payouts, maintain the group's history and prepare for the next cycle.
We used to argue over who had paid and who hadn't. Now everyone opens the app, sees the record, and the conversation is over before it starts.
Chidinma E.
Admin, a 24-member savings circle
Built for people who already save together.
Savings Group Admins
For people organizing Ajo, Esusu and community savings groups.
Members
For people who want a clearer view of their group activity.
Cooperatives
For verified organizations that need structured administration.
Community Organizations
For organizations managing contributions and campaigns.
We're honest about what we are — and what we're not.
Monicircle provides technology for organizing and managing financial communities. Where regulated financial services are required, such services may be provided through appropriately licensed partners or separate regulated products.
We're still building Monicircle.
The platform isn't ready for groups to join yet. We're putting the finishing touches on it. Leave your email and we'll let you know the moment it's ready for your group.