Save together.
Grow together.
CircleSave digitizes Esusu, Ajo & Susu savings circles with a bank-grade ledger. Plus BorrowMeFirst — peer-to-peer financial help from your circle, instantly.
2,400+ members already saving
Good morning
Tunde A.
Total Saved
₦240,000
Next payout: Jan 15 · Circle #3
My Circles
Family Circle
₦50,000/mo · 3/5 members
Work Ajo
₦20,000/mo · 5/5 members
BorrowMeFirst
Medical · ₦75,000 requested
Payout sent!
₦250,000 → GTBank
₦30,000 raised
3 contributors
2,400+
Active Members
₦120M+
Total Saved
850+
Circles Created
4.8★
Play Store Rating
Your circle has your back
when you need it most.
BorrowMeFirst is peer-to-peer financial help — request money from your network, share a link, and get funded in minutes. No bank. No interest. Just your community.
General Help
Most popularAsk your network for financial support — medical bills, emergencies, or any personal need. People who care show up.
Loan Request
With repaymentRequest a loan with a clear repayment date. Your circle funds it transparently — no bank, no collateral.
Bill Split
Group expenseSplit any shared expense among your group — events, house items, group travel. Everyone pays their share via a link.
How it works in 3 steps
Step 01
Create your request
Choose a type, set the amount (up to ₦10M), write a short description, and publish.
Step 02
Share your link
Your unique payment link goes to WhatsApp, family, friends — anyone who wants to help.
Step 03
Get paid instantly
Contributors pay securely via Paystack. Funds go directly to your bank account — no middleman.
Two ways to save in CircleSave
Save in Naira
Bank · Card · Mobile money
- ✓Contribute via bank transfer, card, OPay or Kuda
- ✓Receive payouts to any Nigerian bank
- ✓Perfect for offices, families & neighbourhoods
- ✓BVN/NIN verification for full compliance
Save in USDC
Polygon blockchain · Diaspora-ready
- ✓Contribute USDC via Polygon wallet (low fees)
- ✓Receive payouts in USDC to any Polygon address
- ✓Ideal for cross-border circles in the diaspora
- ✓1 USDC = $1 always — no exchange rate risk
No need to start from scratch
Join an open circle
These circles are filling up — one more member may be all it needs to activate.
Simple by design
How CircleSave works
Three steps from sign-up to your first payout.
Create or join a circle
Start your own savings group with a fixed contribution amount, pick a cycle length, and choose Naira or USDC. Or join an open circle instantly.
Everyone contributes each cycle
All 5+ members contribute the agreed amount every cycle. 5% auto-allocates to an insurance reserve. Every payment is immutably recorded.
Receive your payout in turn
Each member takes turns receiving the full pool — to your bank account, mobile money, or USDC wallet.
Your savings circle
in your pocket.
Download the Kashlet app by B2B Capital. Manage your savings circles, send BorrowMeFirst requests, and track every payout — all from your phone.
iOS App Store coming soon · Android available now
BorrowMeFirst
Medical Help
Recent contributors
Tunde A.
2m ago
₦20,000
Chioma O.
5m ago
₦15,000
Emeka B.
12m ago
₦40,000
Contribute now →
Your money is protected
at every step.
Built on the same principles as core banking systems. Every financial event creates an immutable, forensically auditable trail — enforced at the database level, not just application code.
// Every contribution: 2 atomic transactions
TX1 · Member contributes:
DEBIT savings_account ₦50,000
CREDIT pending_payout ₦50,000
TX2 · Insurance reserve:
DEBIT pending_payout ₦2,500
CREDIT insurance_reserve ₦2,500
✓ Balanced · ✓ Idempotent · ✓ Immutable
Real stories
Trusted across Nigeria
“Our office ajo used to be managed in a WhatsApp group. Now every naira is tracked automatically and nobody can dispute who contributed what.”
Chidera O.
Office Manager · Lagos
“My relatives abroad contribute in USDC and everyone sees the same records. The immutable ledger gave our family circle the transparency we needed.”
Fatima K.
Diaspora Member · London
“I used BorrowMeFirst when I had a medical emergency. Within hours my circle had funded my request. No paperwork, no stress.”
Emeka B.
Circle Member · Abuja
Ready to save together?
Create your circle in 2 minutes. Invite your group, set the amount — we handle the rest. Or try BorrowMeFirst for instant peer-to-peer help.
Download the app