Available now
Rotating savings
Mukando · round · ROSCA
Same amount from everyone, every cycle. One member takes the whole pot each time until all have had a turn.
Mukando, rounds & savings clubs — in USD
Save together.
Take turns.
Keep every dollar on record.
Money Club runs your savings club for you: who's paid, who's due, whose turn it is next. Contributions and payouts move through Safely, so no one has to hold the cash or keep the book.
- Held through Safely
- No cash handovers
- Every payment on record
Example club
Family mukando
Monthly · $100 each
This monthTurn 5of 8
Pot
$800.00to Farai on 28 Oct
Paid this month6 of 8
8 members
Your contributions
October due in 4 daysHow rotating savings works
Everyone pays in. Everyone gets a turn.
The same idea families and colleagues have used for generations — with the record kept for you.
Step 1: Start or join a club
Set the amount, the rhythm and how many members. Invite people you trust with a link, or join a club that’s recruiting.
Step 2: Everyone pays in
Each cycle, every member pays the same amount from their Safely wallet. The app tracks who has paid and who is due.
Step 3: One member takes the pot
The whole pot goes to the member whose turn it is. The order is on the club page for everyone to see.
Step 4: Round complete, record kept
When everyone has had a turn, the round is done — and every contribution and payout is still on record.
A worked example
Eight members each pay $100 a month. Every month one of them receives $800. After eight months everyone has paid in $800 and received $800 once — the early turns get a lump sum sooner, the later turns build up savings towards a known payout.
Club types
Made for the way groups already save.
Rotating clubs are live today. The others are on the way — we’ll say so in the app the day they’re ready.
Coming soon
Goal savings
Save towards one target
Pool for school fees, a family event or equipment and release it together when you reach the goal.
Coming soon
Burial society
Mutual support fund
Regular dues into a shared fund that supports a member’s family when they need it most.
Coming soon
Investment club
Stokvel-style
Members pool contributions and decide together how the fund is invested.
Why it’s safe
Trust the people. Let the app keep the book.
Most club disputes come down to one question: who paid what, and when? Money Club answers it the same way for everyone.
Money moves through Safely
Contributions come from members’ Safely wallets and payouts land in the recipient’s wallet. No one in the club carries the cash.
A ledger everyone can see
Every payment is recorded with who paid, how much and when. Members see the same record — no notebook, no arguments.
Rules applied by the app
The amount, rhythm, turn order and who may join are set when the club starts and applied every cycle — not from memory.
Help when it goes wrong
Report a problem from the club page. Our team looks at the full record with you, not one person’s word against another.
- cash handovers
- 0cash handoversPayments go wallet to wallet.
- contribution on record
- Everycontribution on recordVisible to all members.
- pot per cycle
- 1pot per cyclePaid to whoever’s turn it is.
- from start to payout
- USDfrom start to payoutNo conversions in between.
What is a money club?
A group that agrees to pay in the same amount on a regular rhythm — weekly, monthly or quarterly. Each cycle, the whole pot goes to one member, in turn, until everyone has had theirs. You may know it as mukando, a round, a ROSCA or a stokvel. Money Club runs it for you and keeps the record.
How is the payout order decided?
Every member has a turn number, shown to the whole club on the club page next to the payout schedule. The pot goes to whoever’s turn it is. Turn numbers are fixed once set; a recorded random draw is coming soon.
Where is the money while we wait?
Contributions are paid from each member’s Safely wallet and payouts land in the recipient’s Safely wallet. Nobody in the club holds the cash, and every movement is recorded against the club.
What currency do clubs use?
US dollars. Contribution amounts, pots and payouts are all shown and settled in USD.
What happens if someone doesn’t pay?
Their contribution shows as late on the club page, where every member can see it. Automatic late fees and grace days are coming soon — until then, write your club’s agreement in the description. If a member stops paying, report it from the club page and our team will look at the full record with you.
Are there fees?
Any platform fee is shown on each payout record, next to the gross and the net amount you receive, so you always see it before and after. Wallet top-ups and withdrawals follow Safely’s pricing.
Can I join a club with people I don’t know?
You can browse clubs that are recruiting, and many organisers approve each new member. Clubs work best with people you trust — family, colleagues, a church or burial-society group — so start there if you can.
Your club already exists. Give it a home.
Move your mukando off the notebook and the group chat. Set it up in a few minutes and invite everyone with one link.