Save in a
susu.
Grow together.

A SuSu, or ROSCA (Rotating Savings and Credit Association), is a traditional community-based savings system where members contribute a fixed amount regularly, and each member takes turns receiving the entire pot. It is the oldest form of group savings there is, used for generations across African, Caribbean, and Asian communities to build wealth and support each other. Read our full guide to what a susu is for a worked example and the risks.

Your funds are processed through Stripe Connect, the same payment system used by Lyft, Shopify, and other major platforms. We use bank-level encryption, multi-factor authentication, and never hold your money—it goes directly to the group pot and then to recipients. Additionally, we enforce single-device logins, KYC verification, and fraud monitoring.

No. Every member of a group must be registered in the same country. Payouts settle through Stripe Connect, which will not settle a cross-border payout from our platform, so the app enforces this at signup rather than mid-cycle. SuSu is live in 42 countries, and you save with other members registered where you live. Nigeria, Ghana, Kenya, South Africa, and Côte d’Ivoire are coming soon, once our mobile money payout rail goes live. Read our guide to running a susu abroad if your family is spread across several countries.

Group admins have tools to manage members, including real-time payment tracking, automated reminder notifications, ability to expel non-paying members, trust score system to identify reliable members, and a review system for accountability. We're also building dispute resolution and escrow features for added protection.

Creating and joining groups is free, and your contributions carry no added fees — you pay exactly the contribution amount. Fees are taken only when you receive a payout, deducted from the pot before it reaches your bank: a 5% platform fee (minimum $0.30), plus Stripe's own costs passed on with no markup — what it charged to collect the round's contributions (about 2.9% + $0.30 per card payment, about 0.8% per bank payment), payout processing of 0.25% + $0.25 (0.5% + $0.25 to an account outside the US), and a $2 account fee on your first payout of each calendar month. On a $700 pot paid entirely by card, that is $35.00 + $23.30 + $2.00 + $2.00, leaving $637.70; paid by bank debit, about $655.40. The fixed parts weigh more on small pots: two members at $25 by card lose about 14% of a $50 pot. The exact breakdown is visible to every member before the round closes, and there are no monthly subscriptions.

Absolutely! Many users participate in multiple savings circles—family groups, friend groups, community groups, etc. Your dashboard shows all your active groups, upcoming contributions, and payout schedule in one place.

Group admins can generate shareable invitation links with optional expiration dates and usage limits. You can share these links via text, email, WhatsApp, or any messaging app. For added security, groups can be set to require admin approval for all new members.

Groups typically work best with 5-20 members, but you can set custom member limits when creating your group. Smaller groups cycle faster, while larger groups mean bigger payouts. The choice is yours!