Save together.
Receive in turn.
A ROSCA is the savings tradition that raised your family: a group contributes regularly, and every cycle one member receives the full pot. Njangy makes it digital, transparent, and effortless, for the people you trust, anywhere in the world.
Get startedHow a Njangy ROSCA works
Form your circle
Invite the people you trust — family, friends, colleagues. Everyone sees who is in before a single franc moves.
Set the terms
Agree on the contribution amount, how often you pay in, and the payout order. Njangy locks it in for everyone to see.
Contribute each cycle
Every member pays in on schedule. Automatic reminders and tracking mean no awkward chasing or forgotten turns.
Take your turn
Each cycle, one member receives the full pot. The rotation continues until everyone has been paid — fair and complete.
Set your own rules
Fixed or flexible contributions, your schedule, your trusted members. Njangy runs the house the way you already do.
Stay in sync, automatically
Real-time contributions, automatic rotation, and live notifications keep every member aligned, no chasing, no spreadsheets.
Swap turns when life shifts
Need the pot sooner, or later? Njangy lets members trade positions, negotiate, and approve swaps without breaking the circle.
ROSCA questions, answered
What is a ROSCA?
A rotating savings and credit association — a group that contributes a set amount on a regular schedule, with one member receiving the full pooled amount each cycle until everyone has had a turn.
What if someone stops paying?
Njangy tracks every contribution in real time and flags missed payments immediately, so the circle always knows where it stands. Organizers set the rules, and the ledger is visible to all members.
Is my circle's money and data private?
Yes. Postgres row-level security ensures members of one circle can never see another circle’s data, and your contributions are visible only to the people you invited.
Your circle is waiting.
Start your first house today.
Whether you're digitizing the savings tradition that raised you or discovering community finance for the first time, Njangy takes two minutes to set up and a lifetime to outgrow.
Get started