Everyone sees the same ledger
Contributions, payout order, and who's next are visible to the whole circle — not living in one person's chat history or notebook.
Also known as njangi, esusu, stokvel, tontine and many other names.
Rotating savings circles — for the global diaspora
The savings circle your family already trusts — now with rules nobody can quietly break.
Takes about 30 seconds — sign in with Google, Apple, or Facebook. No wallet to set up.
Live on testnet today — explore the full flow with test funds, no real money at risk.
Members contribute on schedule, each takes the pot in turn. Njangi On-Chain keeps that exact rhythm and makes every contribution and payout self-custodied, scheduled, and verifiable — no treasurer holding the cash, no seed phrase to start.
- Live circles
- Syncing
- Supported assets
- 6+
- Custody
- Self-held
How a cycle works
Three moves, one clear rhythm.
Njangi On-Chain is built for communities that already know how to save together. It adds clearer structure, not a new social model.
01
Sign in, no wallet setup
Use Google, Apple, or Facebook. Your on-chain wallet is created in the background — no seed phrase, no app to install.
02
Set the rules once, together
Agree on members, amounts, schedule, and payout order up front. Everyone sees the same terms, so there's nothing to renegotiate later.
03
Contribute and get paid, on schedule
Each turn pays out automatically to the next member's own wallet. Track who's contributed and who's next — no follow-up texts required.
Circle operations
Less noise. More clarity for members.
Every contribution, turn, and approval lives in one shared view — so the circle runs on the same facts instead of one organizer's memory.
Example cycle
What a cycle looks like
Members in view
12
Roles, approvals, and turns tracked in one place
Next payout
4 days
Schedule clarity without spreadsheet follow-up
Payment modes
Direct + swap
Contribute from what members already hold
History
Auditable
Every state change leaves a visible trail
Contribution due
Members see the amount, deadline, and payment path without waiting for a reminder thread.
Payout order
Rotation rules stay visible, reducing ambiguity around who is next and when the handoff happens.
Audit trail
Approvals, contributions, and state changes stay visible to the circle instead of one organizer’s notes.
Illustrative example
Why it's built this way
Tradition's trust, with infrastructure's clarity.
The goal is not to make a savings circle feel like a trading product. The goal is to make it easier for members to know what is happening, when it is happening, and where funds are moving.
No one holds the pot but the chain
Members contribute from and get paid to their own wallets. Njangi never holds a balance, so there's no treasurer to chase and nothing for us to lose.
One circle across many countries
Diaspora groups stay in sync without depending on a single bank, currency, or time zone. Save together from anywhere.
The same circle, less friction
The trust and rhythm of your njangi stay exactly as they are. We only remove the spreadsheets, reminders, and did-you-pay-yet messages.
Why this shape matters
Positioned between informal coordination and generic fintech.
Traditional circles carry social strength. Modern financial apps carry infrastructure. Njangi On-Chain keeps the first while borrowing only the useful parts of the second.
Traditional circle
- Relationship-based coordination
- Cash or manual transfer collection
- Strong social trust, lighter operational tooling
- Limited visibility outside organizers and chat threads
Njangi On-Chain
- Shared visibility for turns, contributions, and approvals
- Direct wallet settlement with self-custody
- Social sign-in through zkLogin
- A calmer operating layer for distributed communities
Banks and fintech apps
- Built around individual accounts
- Provider-controlled custody and rules
- Geographic and product restrictions
- Little support for culturally specific circle workflows
A global tradition
One tradition, twenty-five names.
Communities across the world already understand rotating savings. Njangi On-Chain is designed to respect that history rather than flatten it into a generic fintech pattern.
Adaji Ajoh Asue Arisan Cadena Chama Chit Funds Cundina Equb Esusu Hagbad Hui Idir Kikoba Mujin Njangi Paluwagan Pandero Gameya Samity Sou-sou Stokvel Tanda Tontine Xitique
Mainnet release
Follow the launch without following noise.
The product is live for testnet exploration today. Join the release list if you want the clearest signal on production readiness, rollout timing, and early access.
Updates are limited to meaningful milestones. No weekly filler, no broadcast spam.
- Current experience is optimized for testnet exploration and live workflow validation.
- Early subscribers get the clearest signal on mainnet readiness and rollout timing.
- You will only hear from us when there is something materially useful to share.
Common questions
A few things people ask first.
If you want the full context, the deeper guides live in the learning and FAQ sections. These cover the basics.
A Njangi is a rotating community savings structure where members contribute on a shared schedule and each member receives the pooled amount in turn. Similar systems exist globally under many different names.
The point is not novelty. The point is clarity. On-chain records make contributions, payout order, and settlement easier to verify, especially when members are distributed across cities or countries.
No. zkLogin lowers the onboarding burden by letting members start with a familiar social account while still receiving a wallet tied to the selected network.
Your wallet address changes because each network has its own state. The app clears the current session so the selected environment stays clean and consistent.