SusuWallet: Savings Circles

Susu savings circle never had a money problem. It had a memory problem. For generations, susu, sou-sou, tanda, ajo, and stokvel circles have moved real money on nothing but trust, a notebook, a group chat, someone's memory of whose turn it is. That trust holds until it doesn't: a missed payment, a forgotten payment, a dispute nobody can resolve because there's no record. SusuWallet doesn't replace the trust. It gives it a paper trail. How it works: • Sign a real agreement when you join, the amount, schedule, and payout order, agreed by everyone before the first hand is due. • Every payment is logged to a shared ledger the whole circle can see. • Payments are two-sided: the payer claims it, the recipient confirms it. Nothing counts as settled until both sides agree. • Every confirmed payment builds your SusuScore, a portable trust score that travels with you into your next circle, with a new group of people who've never met you. • Your Circle Passport is the record of every circle you've ever completed proof you show up. Why we built it this way: apps that tried to modernize susu before us made the same mistake. They tried to hold the money. Custodial apps mean banking licenses, frozen funds, and a company standing between you and your own savings. SusuWallet never touches a dollar. Money still moves the way it always has, hand to hand — Zelle, Cash App, Venmo, cash. We just make sure nobody has to remember, and nobody has to guess. Who it's for: West African susu and ajo circles, Caribbean sou-sou, Latin American tandas and cundinas, Ethiopian and Somali iqub and ayuuto, South Asian committees and chit funds, South African stokvels and any group of friends or family saving together the old way, with new backup. Save together. Trust each other. Save with the people you trust the most