Cowrie digitizes the Susu, Tontine, and ROSCA — community savings circles that have worked for centuries. Save together. Build together. No bank required.
The same system your community has used for generations — now automatic, transparent, and protected.
Invite people you trust. Set your contribution amount and how often you pay — weekly, biweekly, or monthly. Everyone commits to the full cycle.
Payments happen automatically via Stripe. No manual collection. No chasing people. No WhatsApp reminders. Just automatic contributions on schedule.
Each cycle, one member receives the full pooled amount. The rotation is transparent — everyone can see who's next. No surprises. No disputes.
After a full cycle, everyone has received a lump sum equal to what they contributed — interest free. And soon, every on-time payment builds your credit history.
Built from the ground up for community saving. Every feature serves the circle.
Rotating payout system fully automated via Stripe. Set your amount, frequency, and members. Watch it run itself.
Save toward something together — travel, a business, an emergency fund. Set a target, invite your group, track progress collectively.
See group progress. Track contributions. Celebrate milestones. The accountability layer that makes circles work long-term.
Your money is never held by Cowrie. Secured in Stripe accounts. Distributed automatically. KYC handled by Stripe infrastructure.
Visual display of who's in the circle, who's current recipient, full contribution history. Complete transparency for every member.
Your consistent on-time contributions will report to credit bureaus via Bloom Credit. Your community trust finally counts toward your financial identity.
Coming SoonSee exactly how a savings circle compares to a traditional personal loan.
Free to download on iOS and Android. Start or join a savings circle in minutes. No credit check. No bank required.
All funds are secured in Stripe Connect accounts. Cowrie is a facilitator — never a custodian. Your money is protected by the same infrastructure used by millions of businesses.
All members are KYC verified through Stripe before joining a circle. The accountability that makes community saving work — now backed by real identity verification.
Terms of service, privacy policy, and risk disclosure built into the app. You know exactly what you're agreeing to before joining any circle.