Rotational Circles
Contribute a fixed amount each cycle. One member receives the whole pool each cycle until everyone has been paid. Everything enforced automatically.
Ajo · esusu · thrift — now protected
Save together. Get paid automatically. Trust is built in.
coSAYV brings the tradition of Ajo — community savings circles — to your phone. Join a circle, contribute on a fixed schedule, and receive your full payout on rotation. Every member is identity-verified and scored, so everyone can trust everyone.
- KYC-verified members
- Credibility scoring
- 0.6% fee on payouts
- US · Canada · UK · Nigeria
Thousands of people across 4 countries are saving together with coSAYV every week.
Rotational AjoTarget circlesKYC verifiedCredibility score 50 → 850Pre-fund protection24-hour grace periodAutomatic payouts0.6% flat fee🇺🇸 USD🇨🇦 CAD🇬🇧 GBP🇳🇬 NGNRotational AjoTarget circlesKYC verifiedCredibility score 50 → 850Pre-fund protection24-hour grace periodAutomatic payouts0.6% flat fee🇺🇸 USD🇨🇦 CAD🇬🇧 GBP🇳🇬 NGN
What you can do
Two ways to save. One system you can trust.
Target Circles
Pool money with family and friends toward a shared goal — a wedding, school fees, a trip. Funds release only when the whole group agrees.
Secure & Verified
Every member completes government ID verification (KYC). A live credibility score shows who pays on time — and who doesn’t.
Why coSAYV
The tradition you know. The safety you deserve.
We already save this way. coSAYV keeps the culture and removes the risk — enforced by the app, not by your friendship.
Automated enforcement
Rules are enforced by the app, not by awkward conversations. Deadlines, grace periods, and payouts run themselves.
Full transparency
Every contribution, date, and payout is visible to every member in real time. No secrets, no “where’s my money?”
Your money is protected
A pre-fund wallet acts as a security deposit for every circle. Miss a payment and the system covers your share automatically.
Real identity, real trust
KYC verification and credibility scores mean you always know who you’re saving with.
How it works
From sign-up to your first payout in four steps.
- 1
Sign up & verify
Create your account with email and phone, then complete identity verification (KYC) with a government-issued ID. It takes minutes and keeps every circle safe.
- 2
Fund your wallet
Top up your Main Wallet by card (Stripe in the US/UK/CA, Paystack in Nigeria) or instant bank transfer, and add your payout bank account.
- 3
Create or join a circle
Start a rotational or target circle and share your invite code — or browse open circles and apply. Admins review each member’s credibility score before they join.
- 4
Save & get paid
Contribute on schedule. Auto-debit means you never miss a payment, and you receive your full payout automatically on your rotation day.
Credibility score
A score that says you show up.
Ajo works because people keep their word. coSAYV makes keeping your word visible — and rewarding. Every member carries a live score from 50 to 850 built on verified identity, on-time payments, and completed cycles.
Credibility score
0/ 850
Starts at 50+100 instantly for KYC
Complete KYC verification+100
Complete a full cycle+20
Payment streak+10
On-time payment+5
Missed payment−20
Strike issued−100
Excellent
750+The most trusted savers. First pick for high-value circles.
Good
600–749Reliable members. Welcome in most circles.
Fair
300–599Building trust. Access to standard circles.
Limited
<300Restricted to low-contribution circles until the score recovers.
Wallets & fees
Money that moves exactly as agreed.
Two wallets, automatic payouts, and a single flat fee. No hidden charges — you see the exact amount you’ll receive before you join.
Main Wallet
Where your money lives between circles. Top up by card or bank transfer, pay contributions, and receive payouts here.
Pre-Fund Wallet
Your security deposit, equal to your contribution. Locked while you’re in a circle and released when your cycle completes.
Fees — the full picture
- Rotational circle payouts0.6% per payout
- Target circle withdrawalOne-time 0.6%
- Split payouts (replacement)0.6% on each share
- Deposits, top-ups, transfersFree
On an $800 pool you receive $795.20. On a ₦50,000 payout you receive ₦49,700.
Card via Stripe & Paystack Instant bank transfer
Safety & trust
Trusted by design, not by chance.
The #1 reason Ajo circles fall apart is a member who stops paying. coSAYV removes that risk with identity verification, behavior scoring, and a pre-fund safety net — enforced by the app, not by your friendship.
Verified identity
Every member is KYC-checked with a government-issued ID before they can join a circle.
Credibility score
A public, behavior-based trust signal. Admins see it before admitting anyone.
Pre-fund protection
A locked deposit covers any missed payment automatically. The group is never short.
Transparent rules
Contribution, deadline, grace, and payout rules are shown before you join — and enforced by the system.
Grace, not traps
24-hour grace after deadlines and 72-hour notice to leave before your payout. No penalties for honest savers.
Fair disputes
Circle admins work with coSAYV support to resolve member disputes quickly and fairly.
Availability
Wherever you’re building, you’re not building alone.
Live in four countries — with local currencies, local payment rails, and the same tradition at the core.
🇺🇸
United States
USD
Card via Stripe · bank payouts
🇨🇦
Canada
CAD
Card via Stripe · bank payouts
🇬🇧
United Kingdom
GBP
Card via Stripe · bank payouts
🇳🇬
Nigeria
NGN
Paystack · instant bank transfer
Take your savings culture with you. Whether you’re first-gen Nigerian in Houston, a Ghanaian community in London, or a family circle in Lagos — coSAYV works in your local currency, with your local payment methods.
FAQ
Questions, answered plainly.
A group of people who agree to save a fixed amount on a fixed schedule and take turns receiving the pool. Known as Ajo in Nigeria, esusu in parts of West Africa, or ROSCA globally. coSAYV automates the rules so the tradition runs safely at scale.
A security deposit equal to your contribution amount. It is locked when you join a circle, automatically used if you miss a payment, and released back to you when the cycle completes.
You have a 24-hour grace period after the Last Day of Payment to still contribute. Pay within grace and your pre-fund is untouched. If you don’t, your pre-fund is automatically debited to cover your contribution and all members are notified.
0.6% on each rotational payout — on a ₦50,000 payout you receive ₦49,700. Target circles charge a one-time 0.6% fee at withdrawal. For split payouts, each user pays 0.6% on their own share only.
It starts at 50 and changes with real behavior: KYC adds +100, on-time payments add +5, payment streaks +10, completed cycles +20. Missed payments, un-refunded pre-funds, and strikes reduce it. The max is 850.
Only if you haven’t received a payout yet. Give a minimum of 72 hours’ notice, and it can’t be close to a payout date. The group fills your position from the waiting pool, and the payout at that position is split fairly between you and your replacement.
5 consecutive missed deadlines = 1 strike. 3 strikes = a 6-month ban and your score resets to zero. If you’re active in a circle when banned, the ban waits until your cycle completes. You can petition to pay a $100 fine to end a ban early; a second ban is permanent.
The United States, Canada, the United Kingdom, and Nigeria. You must be 18 or older and resident in one of these countries to use coSAYV.
Ready to save with people you trust?
Create a circle in minutes, invite your people, and let coSAYV handle the rest.
KYC-verified members · 18+ · US · Canada · UK · Nigeria