Save Together,
Grow Together.
OjaCircle brings the tradition of rotating savings circles into the digital age. Join trusted circles, contribute regularly, and watch your savings grow.
How It Works
Three simple steps to start saving with your community.
Create or Join a Circle
Start your own savings circle or join an existing one. Set the contribution amount, frequency, and member limit.
Contribute Regularly
Make your scheduled contributions through secure payment methods. Track progress and stay accountable with your circle.
Receive Your Payout
When it's your turn, receive the full pot. Withdraw to your bank account or keep it in your OjaCircle wallet.
Everything You Need
Powerful features built for modern savings communities.
Savings Circles
Create or join rotating savings groups with flexible contribution schedules. Invite trusted friends or discover public circles.
Secure Wallet
Deposit, withdraw, and manage your funds in one place. Support for Flutterwave, Stripe, and local bank transfers.
Trust Scores
Build your reputation through consistent contributions. Our trust scoring system helps identify reliable circle members.
Smart Matching
Our algorithm suggests circles that match your savings goals, preferred contribution amounts, and schedule.
Rewards & Referrals
Earn points for on-time contributions, inviting friends, and completing milestones. Redeem rewards in-app.
Bank-Grade Security
End-to-end encryption, biometric login, KYC verification, and fraud detection keep your money and data safe.
Built on Trust & Security
We take the security of your savings seriously. OjaCircle combines modern fintech security standards with the community trust that makes rotating savings work.
- Multi-level KYC verification for all members
- Encrypted transactions and biometric authentication
- Real-time fraud detection and monitoring
- Transparent trust scores and contribution history
Ready to Start Saving?
Download OjaCircle today and join thousands of people saving together across Africa.