Create a group pool or savings circle in 60 seconds. Share one link. Everyone pays — no chasing, no spreadsheets, no drama. And every payment builds something bigger than a balance.
We'll email you the moment Chamly launches.
Your payment link is ready. Share anywhere — contributors pay in 30 seconds.
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One-time collections. Create, share a link, get paid. Simple as that.
Permanent savings circles — susu, ajo, tontine — with automated rounds and reputation scores that compound over time.
1.4 billion people are invisible to the financial system. Not because they don't pay — but because every payment they make in a savings circle, a tanda, a susu, a chama — disappears. No record. No proof. No credit.
Chamly changes that. Every time someone pays into a pool or circle on Chamly, that payment is logged, scored, and added to their financial identity. Silently. Permanently. Portably.
You're not just collecting money. You're building a credit profile that banks have never been able to see — until now.
Millions of savings groups run on WhatsApp messages and handwritten notebooks. Chamly gives every savings circle a proper financial home — tracking, accountability, and automated payouts built in.
Every member builds a contribution reputation score based on payment history. Pay on time — your score grows. This is your financial identity inside your community — and beyond it.
Whether it's 8 friends saving for a house deposit or 50 colleagues building a welfare fund — Chamly scales with your circle and compounds in value over time.
Every on-time payment earns points. Every payment builds your Chamly Trust Score — a portable financial identity that follows you for life. Pay into a circle in Lagos, use your score to borrow in London. The same identity. Everywhere.
Banks have credit scores built from debt. Chamly builds credit scores from community savings — the most honest measure of financial behaviour that has ever existed.
The same payments that helped your group save together now open doors that were never available before. Each tier unlocks more.
Susu, ajo, tontine, chama — every culture's rotating savings, finally digital and building credit.
Employer-sponsored circles. HR pays, staff save together and build financial identities together.
One pool. Everyone pays their share. Every payment logged to their trust score.
Birthdays, weddings, retirement — collected without the awkward chasing.
Faith groups, HOA fees, neighborhood funds — collected monthly, automatically.
Cross-border savings circles. Contribute in London, receive in Lagos. One score, every market.
One-time collections. Trips, gifts, events, dues.
Larger events with more contributors and custom settings.
Permanent circles with reputation scores and lending access.
| Feature | Collctiv | Esusu | CircleFunds | Chamly ✦ |
|---|---|---|---|---|
| Quick pools / payment links | ✓ | — | — | ✓ |
| Savings circles | — | ✓ | ✓ | ✓ |
| No app for contributors | ✓ | — | — | ✓ |
| Trust / reputation score | — | Partial | — | ✓ Full |
| Circle lending | — | — | — | ✓ |
| Employer B2B | — | — | — | ✓ |
| Global / diaspora | UK only | US only | Africa only | ✓ 40+ countries |
| Both stories in one product | — | — | — | ✓ Only one |
Every competitor solves one problem in one market. Chamly solves all of it, globally, with a credit identity layer that none of them have. The market is proven. The gap is ours.
Create your first pool or savings circle — and start building the financial identity that follows you for life. Available globally. Free to join.
We'll email you the moment Chamly launches.