Digital ROSCA: definition, functioning, and benefits
Joseph M.
Apr 4, 2025
The digital ROSCA is a modernized version of an ancestral savings practice, adapted to the realities of the connected world. Thanks to applications like Cirkkle, it becomes a simple, transparent, and accessible solution for collective saving for everyone.
What is a digital ROSCA?
It is a group of people who contribute a sum at regular intervals. At each round, a member receives the entire pot. Digitized, the ROSCA is managed through a mobile application.
How does it work with Cirkkle?
Creation of a private group via the app
Setting the amount, frequency, and order of payment
Automatic tracking and notifications
Integrated secure payments
Benefits of the digital ROSCA
Total accessibility: no need for a bank
Security and traceability of transactions
Equality and trust among members
Financial autonomy in project management
Why choose the digital ROSCA?
Because it combines tradition, technology, and solidarity. It allows saving without hidden fees, and with more flexibility than a traditional savings account.
Imane H.
.
Nov 18, 2025
Diaspora africaine : comment transformer les transferts d’argent en vrai projet d’épargne ?
Imane H.
.
Nov 13, 2025
Les jeunes et l’épargne : pourquoi la Gen Z ne « s’en fiche » pas
Joseph M.
.
Nov 8, 2025
Restrictions réglementaires : comment Cirkkle rend la tontine légale, sûre… et fidèle à la tradition
Joseph M.
.
Nov 6, 2025
Préparer sa retraite autrement : comment l’épargne collective via tontine peut faire la différence
Nina T.
.
Oct 28, 2025
Prêt entre particuliers : ce que dit la loi, et comment Cirkkle protège votre tontine
Nina T.
.
Oct 24, 2025