Flexible circles
Public, request-to-join, or private invite savings circles with per-member unit counts.
Android & iOS · savings circles on your phone
Savings circles, made clear.
Jamiya helps savings circles stay transparent — fair draws, circle chat, payouts you can track, and optional card payments.
The rotation is the app
Every member, every contribution, every draw — in one living ledger your circle can trust.
One platform for every kind of savings circle
Rotating savings circles have been around for generations. Members contribute a fixed amount each cycle, and one member receives the pooled payout each round — through draw, rotation, or bidding. Jamiya digitizes the ledger so every draw is verifiable and every payment is tracked.
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Three steps from signup to payout
- Step 1
Create a savings circle
Use a template or design your own: amount, frequency, member count, draw method, and privacy. Invite members by code, request-to-join, or make it public.
- Step 2
Track contributions and run draws
Members mark payments with proof; draws are random with a persisted seed, sequential, or bidding — and every outcome has a shareable fairness record.
- Step 3
Pay out and keep the trust
Record manual payouts or settle winners through Stripe Connect. Disputes, insurance fund, and activity logs keep everyone on the same page.
Everything a rotating savings circle needs
A closer look at the features that keep savings circles clear and members in sync.
Verifiable draws
Random with persisted seed, sequential, or bidding. Share the fairness record.
Contributions ledger
Self-reported payments with proof attachments and admin verification.
Circle chat
In-app chat per savings circle — keep coordination next to the ledger.
Optional card payouts
Settle winner payouts through Stripe Connect — or record manual transfers.
Insurance fund
Opt-in pool that covers short payments and missed rounds.
Disputes and activity log
Every action recorded, every disagreement resolvable in-app.
Built to earn — and keep — your circle’s trust
Private by default
Private savings circles are readable only by members. Invite-code previews never leak sensitive details.
You hold the money
Jamiya never holds funds. Payment routing stays with your treasurer or your Stripe Connect account.
Every draw is verifiable
Random draws persist their seed. Sequential and bidding draws ship an auditable record.
Questions? We have answers.
From "what is a ROSCA?" to "how do payouts work?" — see the common questions members ask before joining a savings circle.
Read the FAQRun your next savings circle with confidence.
Free on Google Play and the App Store — same ledger, draws, and payouts on both platforms.