Rotational Circles
Contribute a fixed amount each cycle. One member receives the whole pool each cycle until everyone has been paid. Everything enforced automatically.
Ajo · esusu · thrift — now protected
Save together. Get paid automatically. Trust is built in.
CoSayv brings the tradition of Ajo — community savings circles — to your phone. Join a circle, contribute on a fixed schedule, and receive your full payout on rotation. Every member is identity-verified and scored, so everyone can trust everyone.
Launching January 2027 -- join the waitlist and be among our first 500 founding members.
Rotational AjoTarget circlesKYC verifiedCredibility score 50 → 850Pre-fund protection24-hour grace periodAutomatic payouts1% & 0.5% fees🇺🇸 USD🇨🇦 CAD🇬🇧 GBP🇳🇬 NGNRotational AjoTarget circlesKYC verifiedCredibility score 50 → 850Pre-fund protection24-hour grace periodAutomatic payouts1% & 0.5% fees🇺🇸 USD🇨🇦 CAD🇬🇧 GBP🇳🇬 NGN
What you can do
Two ways to save. One system you can trust.
Target Circles
Pool money with family and friends toward a shared goal — a wedding, school fees, a trip. Funds release only when the whole group agrees.
Secure & Verified
Every member completes government ID verification (KYC). A live credibility score shows who pays on time — and who doesn’t.
Why CoSayv
The tradition you know. The safety you deserve.
We already save this way. CoSayv keeps the culture and removes the risk — enforced by the app, not by your friendship.
Automated enforcement
Rules are enforced by the app, not by awkward conversations. Deadlines, grace periods, and payouts run themselves.
Full transparency
Every contribution, date, and payout is visible to every member in real time. No secrets, no “where’s my money?”
Your money is protected
A pre-fund wallet acts as a security deposit for every circle. Miss a payment and the system covers your share automatically.
Real identity, real trust
KYC verification and credibility scores mean you always know who you’re saving with.
How it works
From sign-up to your first payout in four steps.
- 1
Sign up & verify
Create your account with email and phone, then complete identity verification (KYC) with a government-issued ID. It takes minutes and keeps every circle safe.
- 2
Fund your wallet
Top up your Main Wallet by card (Stripe in the US/UK/CA, Paystack in Nigeria) or instant bank transfer, and add your payout bank account.
- 3
Create or join a circle
Start a rotational or target circle and share your invite code — or browse open circles and apply. Admins review each member’s credibility score before they join.
- 4
Save & get paid
Contribute on schedule. Auto-debit means you never miss a payment, and you receive your full payout automatically on your rotation day.
Wallets & fees
Money that moves exactly as agreed.
Two wallets, automatic payouts, and a single transparent fee. No hidden charges — you see the exact amount you’ll receive before you join.
Main Wallet
Where your money lives between circles. Top up by card or bank transfer, pay contributions, and receive payouts here.
Pre-Fund Wallet
Your security deposit, equal to your contribution. Locked while you’re in a circle and released when your cycle completes.
Safety & trust
Trusted by design, not by chance.
The #1 reason Ajo circles fall apart is a member who stops paying. CoSayv removes that risk with identity verification, behavior scoring, and a pre-fund safety net — enforced by the app, not by your friendship.
Verified identity
Every member is KYC-checked with a government-issued ID before they can join a circle.
Credibility score
A public, behavior-based trust signal. Admins see it before admitting anyone.
Pre-fund protection
A locked deposit covers any missed payment automatically. The group is never short.
Transparent rules
Contribution, deadline, grace, and payout rules are shown before you join — and enforced by the system.
Grace, not traps
24-hour grace after deadlines and 72-hour notice to leave before your payout. No penalties for honest savers.
Fair disputes
Circle admins work with CoSayv support to resolve member disputes quickly and fairly.
Availability
Wherever you’re building, you’re not building alone.
Live in four countries — with local currencies, local payment rails, and the same tradition at the core.
🇺🇸
United States
USD
Card via Stripe · bank payouts
🇨🇦
Canada
CAD
Card via Stripe · bank payouts
🇬🇧
United Kingdom
GBP
Card via Stripe · bank payouts
🇳🇬
Nigeria
NGN
Paystack · instant bank transfer
Take your savings culture with you. Whether you’re first-gen Nigerian in Houston, a Ghanaian community in London, or a family circle in Lagos — CoSayv works in your local currency, with your local payment methods.
Ready to save with people you trust?
Create a circle in minutes, invite your people, and let CoSayv handle the rest.
KYC-verified members · 18+ · US · Canada · UK · Nigeria