Savings circles · SACCOs · Cooperatives

Save together.
Grow together.

PaxSave gives every savings group a real ledger. Contributions, loans and payouts are recorded the moment they happen, visible to every member, and paid on time.

Neighbours, colleagues, families and diasporas. Every circle is welcome.

Every member verified Built for circles worldwide iOS and Android
Illustrative
Umoja SACCOS · 24 members
USD 18,400.00
Circle balance
March contributions17 of 24 paid
Next payoutFriday · Neema A.
NANeema A.On-time 100%
JMJoseph M.On-time 96%
RLRosa L.Late · 3 days
Contribute USD 250.00

Every circle has a name. PaxSave speaks all of them.

SACCO Chama Tanda Susu Stokvel Tontine Paluwagan Hui Kye Chit fund ROSCA Credit union Family pot

One circle, many hands

Different countries. Different names. The same circle.

Saving in a circle is one of the oldest ways people look after each other. A market in Dar es Salaam, a street in Mexico City, an office in Manila: people pool what they have and take turns. PaxSave keeps that trust and adds the record.

People of many backgrounds joining hands in a circle around a gold coin

One app, three ways to save

From five friends to five thousand members.

Start small with people you know, run a full cooperative, or join a vetted SACCO anywhere in the world. Same ledger, same rules, same record.

Friends & family circles

Rotating payouts, shared goals and family pots. Set the amount and the schedule; PaxSave collects, reminds and pays out in turn.

  • —Payout order by draw, vote or need
  • —Automatic contributions and reminders
  • —Free for groups of up to 5
Start a circle →

SACCOs & cooperatives

Run the whole society: members, shares, savings, loans, dividends and the AGM report. Every member sees their own statement; the board sees everything.

  • —Loan applications, guarantors and repayment schedules
  • —On-time rate for every member and every loan
  • —Board approvals and audit trail
Move your SACCO to PaxSave →

The SACCO marketplace

Find a vetted public SACCO by country, purpose or profession. Join, build your savings, and earn access to loans as your record grows.

  • —Every listed SACCO passes our vetting
  • —Compare rules, fees and loan terms
  • —Join in minutes, from anywhere
Find a SACCO →

How it works

Your circle, with a ledger.

  1. 01

    Create or join

    Start a circle and invite members by phone or email, or join a SACCO from the marketplace.

  2. 02

    Agree the rules

    Amount, schedule, payout order, loan terms and penalties. Written once, applied the same way to everyone.

  3. 03

    Contribute on schedule

    Pay by card or mobile money. Every payment lands on the shared ledger instantly.

  4. 04

    Get paid or borrow

    Payouts go out on the agreed day. A strong record unlocks loans from your circle.

The PaxSave record

Your record is your reputation.

Every contribution and every repayment is timestamped. Your on-time rate follows you from circle to circle and SACCO to SACCO, so good payers earn trust, bigger loans and better terms.

  • Total contributed since you joined, not just this year
  • On-time rate across contributions and loan repayments
  • Exact amounts, never estimates
NA
Neema A.
Member since March 2024
Illustrative
On-time rate
98%
49 of 50 payments
Contributed to date
USD 6,250.00
Across 3 circles
Last 12 paymentsOldest → newest
On timeLatePaid early

The SACCO marketplace

Join a SACCO you can trust, wherever you live.

Public SACCOs list on PaxSave only after they pass our vetting. Compare their rules, savings terms and loan products, then join in minutes.

Vetted SACCOs coming soon

We are reviewing the first SACCOs now. Join the waitlist and we will tell you when listings open where you live.

Join the waitlist

Trust & safety

Trust is the product. We vet it.

Savings groups run on trust between members. PaxSave adds the checks that let that trust travel to people you have never met.

Every member verified

Identity checks on every member before they can contribute or borrow.

SACCOs vetted before listing

Registration, leadership, financial statements and bylaws reviewed before a SACCO appears in the marketplace.

A ledger nobody can quietly edit

Every entry is timestamped and every change is logged. Members see the same numbers as the treasurer.

PaxSave does not hold your money

At this stage, member funds are not held by PaxSave. If that ever changes, we will tell every member first, in plain words.

Membership pricing

One dollar per member. Every feature included.

No tiers to compare and no cut of your savings. Small groups are free. Bigger groups pay the same simple rate per member.

Free

Friends, family and small circles

USD 0up to 5 members
  • Free forever for groups of up to 5
  • Contributions, payouts and shared goals
  • On-time score for every member
  • Email reminders
Start a free circle

Monthly

Groups and SACCOs of 6 members or more

USD 1per member / month
  • Contributions, payouts and shared goals
  • Loans, repayments and on-time scores
  • Member statements and reports
  • Email reminders and receipts
Start monthly
2 months free

Annual

Best value for committed groups

USD 10per member / year
  • Everything in Monthly
  • Pay for 10 months, get 12
  • One invoice a year
Choose annual

SACCO annual fee

For SACCOs and cooperatives, on top of member fees. Covers maintenance and support. Billed once a year, upfront. Free groups never pay it.

USD 99per year

What a SACCO pays in a year

Yearly cost by number of members, monthly versus annual billing, including the USD 99 SACCO fee
MembersMonthly billingAnnual billingYou save
Up to 5FreeFree—
10USD 219USD 199USD 20
30USD 459USD 399USD 60
100USD 1,299USD 1,099USD 200
500USD 6,099USD 5,099USD 1,000

Yearly totals include the USD 99 SACCO fee. Prices are set in US dollars and billed in your local currency at our published rate; in Tanzania, quoted and paid in TZS. Taxes are added where they apply. The SACCO admin pays, with a card on file.

Coming later, at a small extra charge: SMS alerts Bank integration M-Pesa and mobile money In-app notifications are on the way.

Your circle already trusts each other. Now give it a ledger.

Today, PaxSave runs your circle’s ledger. Next: tools built around the record your group creates together.

Start a circle Talk to us about your SACCO

Coming to iOS and Android

Join the waitlist

Save a place for your circle.

Tell us about your group. We will email you when PaxSave opens where you live.

  • Early access for your circle or SACCO
  • No spam. Ask us to delete your details at any time.
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