Skip to content
Jamiya
How it works

How Jamiya works

A rotating savings circle in four steps. The flow mirrors how your community already runs these circles — just with the ledger and draws moved out of a WhatsApp thread.

  1. Step 1

    Gather your circle

    Create a savings circle, invite members, and agree on the ground rules before the first round.

    • Pick a template (weekly, monthly, custom) or design your own.
    • Set amount, frequency, draw method, privacy mode, and unit limits.
    • Invite members by private code, request-to-join, or personal invite link.
    • Use in-app circle chat to coordinate without splitting attention across other apps.
  2. Step 2

    Contribute each round

    Members pay into the circle through any channel you already use. Jamiya tracks what came in, from whom, and when.

    • Self-report contributions with proof attachments.
    • Admins verify, reject, or extend grace periods.
    • Flexible-amount savings circles let members set their own amount inside admin-defined bounds.
  3. Step 3

    Run a transparent draw

    At each round, Jamiya picks the winner using the method your circle agreed to — and records it for posterity.

    • Random draws commit a seed server-side and ship a fairness record.
    • Sequential draws follow the committed rotation order.
    • Bidding draws capture every bid, and the discount flows back to the circle.
  4. Step 4

    Pay out and move on

    Winners get paid through your treasurer’s rails — bank, mobile money, or Stripe Connect — and Jamiya logs the result.

    • Record manual payouts with reference, notes, and proof URLs.
    • Opt in to Stripe Connect for in-app card settlement.
    • Disputes, insurance claims, and activity log close any loose ends.