Templates · Savings circles

Keep the tradition. Add the transparency.

ROSCAs, tandas, susus, chamas: these traditions work because of trust. EnDAO adds clear records and shared control without losing what makes them special — members in different cities can participate, no one carries all the admin alone, and every contribution is on the record.

Quick answer

EnDAO digitizes savings circles — ROSCAs, tandas, susus, chamas, hui, kye, paluwagan, and their equivalents — with clear contribution records, transparent rotation tracking, and multi-approval payout controls. Every member sees who contributed each cycle, whose turn it is to receive, and the full history of the circle. Members can participate from anywhere; no bank account or special software is required. The tradition stays intact; the record-keeping scales with it.

What this looks like

A page from one circle's shared ledger.

Greenwood Tanda Circle · 10-member group

Q1 2026
Jan 05Monthly contributions · 10 members+$5,000.00
Jan 20Payout · rotation 3 of 10 — A. Mensah−$5,000.00
Feb 05Monthly contributions · 10 members+$5,000.00
Feb 20Payout · rotation 4 of 10 — T. Okafor−$5,000.00

When trust gets complicated

What strains savings circles as they grow, and what clear records fix.

Savings circles have helped communities build wealth for generations. But as circles grow or members move away, keeping track of contributions and payouts gets harder. Miscommunication and missed payments can break trust that took years to build. The tradition is sound — the record-keeping needs to catch up.

What goes wrong

  • Tracking payments in group chats or notebooks — easy to lose, hard to audit
  • Disputes over who paid and when when records are informal
  • Hard to include members who moved away when everything is in-person
  • Organizer carries all the administrative burden alone
  • No bank account access for some members creates friction at payout time

What EnDAO does

  • Clear record of every contribution — who paid, how much, which cycle
  • Automatic tracking with timestamps eliminates disputes over payment history
  • Members can participate from anywhere — distance is no barrier to the circle
  • Shared admin means no single person carries all the administrative weight
  • No traditional bank account required — join and participate with just an email

What’s built in

The things every savings circle needs, already there.

Rotation tracking

Track whose turn it is to receive. Everyone can see the rotation schedule and history. No confusion about who's up next or whether a previous recipient has already received.

Contribution records

Every payment logged automatically with the member identity and the cycle it covers. No more wondering who paid this month — the record is always current.

Secure payouts

Funds require multiple approvals before release. Protection is built into the structure — no single member can release the pot unilaterally.

Shared management

Multiple admins can run the circle. No single point of failure. The circle continues smoothly even if the original organizer steps back.

Works for

All kinds of savings circles.

  • ROSCAs (Rotating Savings and Credit Associations)
  • Tandas (Latin American savings circles)
  • Susus (West African savings groups)
  • Chamas (East African investment groups)
  • Hui (Chinese rotating credit)
  • Kye (Korean rotating credit)
  • Paluwagan (Filipino savings circles)
  • Family savings pools

Common questions

Questions savings circles ask first.

Can members join from different countries?
Yes. EnDAO works globally. Members just need an email address to join and participate. The circle runs the same way whether everyone is in the same city or spread across three time zones.
How do we handle late payments?
The system tracks payment status in real time. Set up reminders and see who has contributed each cycle. Transparency keeps everyone accountable without requiring the organizer to chase people individually.
What if someone misses their turn to pay?
All members can see the payment history. The visibility helps keep everyone accountable — and when a dispute does arise, the record is clear.
Can we customize the rotation schedule?
Yes. Set your own cycle length, contribution amounts, and payout order. Fixed rotation, lottery order, or priority order — the structure matches whatever your circle has always done.
Is this secure?
Funds sit in a shared account that requires multiple approvals to release. No single person can take the money. The protection is built into the structure, not just a policy.

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