Save together with people you trust.
A savings circle (known globally as a tanda, susu, or equb) is a time-tested community method where a small group pools money regularly, and each round one person takes the entire pot.
How it works in practice
Imagine five friends who want to save together. They agree to contribute 100 USDC each month for 5 months:
Nobody gains or loses money. What changes is timing.
Alice gets an interest-free loan in month 1 to cover an immediate expense, which she repays over 4 months. Eve saves steadily and receives 500 USDC at once in month 5 for a planned purchase.
How it works on XPR Network
Create and share one link
The organizer sets the payment amount, frequency (daily, weekly, bi-weekly, or monthly) and number of seats, then sends the link to friends or family via WhatsApp or Telegram.
Join with a security deposit
Each member deposits 1 to 3 rounds into the smart contract. This deposit stays in the contract to protect everyone against missed payments, and is refunded in full at the end.
Everyone approves the payout order
Before the circle can start, the organizer proposes who receives the pot in which round. Every member must explicitly approve their slot.
Pay each round with one click
Members receive automated Telegram reminders before each round deadline. Paying takes one tap with FaceID or fingerprint in the WebAuth app.
Automatic payouts & returned deposits
At each round deadline, the pot is sent automatically to that round's recipient. When the final round ends, every member's security deposit is unlocked and returned.
Why on XPR Network?
Zero gas fees: Small regular payments don't make sense when you have to pay transaction fees. On XPR, all transfers are free.
Human-readable accounts: Send to @alice instead of long hexadecimal addresses.
Optional verified KYC: Know that you are pooling money with real, verified people.
Ready to start your circle?
Set up a group in under 2 minutes. Free, secure, and transparent.