ROSCA: a new pillar of your savings, serving solidarity

Did you know that over 11 million South Africans are part of 'stokvels' – modern savings clubs – and collectively save more than 50 billion rands each year to fund weddings, funerals, or even the purchase of a home?

Behind these figures lies a whole model of solidarity and financial inclusion: proof that saving can go hand in hand with mutual aid.

📊 Overview of the 5 major savings products in France

The "Livret A" – the basic secure option

• Main advantage: immediate availability of funds.

• Limit: historically low interest rate.

Life insurance – patrimonial flexibility

• Main advantage: various management options and optimized transmission.

• Limit: entry fees and tax implications to anticipate.

The Home Savings Plan (PEL) – the real estate project

• Main advantage: guaranteed mortgage loan rate.

• Limit: stringent duration and payment commitments.

The Equity Savings Plan (PEA) – long-term performance

• Main advantage: potential for higher returns.

• Limit: exposure to market volatility.

The digital ROSCA – solidarity savings

• Main advantages:

  • Solidarity: everyone contributes and benefits from the common fund in turn.

  • Inclusion: accessible even without large initial capital.

  • Flexibility: functioning modalities adaptable to each need.

• Cirkkle specifics: zero hidden fees, ultra-flexible settings.

💡 Why the tontine deserves a place in your portfolio

• Group effect

  • Psychological security: you are not saving alone.

  • Collective discipline: mutual commitments are respected thanks to digital transparency.

• Enhanced accessibility

  • A relatively low entry threshold: everyone contributes according to their means, starting from €30 per month.

  • No traditional bank fees: Cirkkle guarantees zero hidden costs.

• Tangible social impact

  • Funding personal and community projects.

  • Strengthening social bonds: we build our savings together.

🗣️ A Cirkkle user’s review

“Thanks to our ROSCA on Cirkkle, we were able to finance micro-loans for three members of our group in no time. The solidarity aspect makes me proud!”

– Fatou, President of a tontine in Marseille.

🚀 How to create your first ROSCA on Cirkkle

Step 1 – Installation and creation

1. Download the Cirkkle app.

2. Create your first ROSCA in just a few taps.

Step 2 – Customized settings

• Choose the size (and thus the duration) of the ROSCA, the amount of each round, and the order of distributions.

Step 3 – Invitation and management

1. Invite your close ones.

2. Monitor the jackpot in real time and receive your payments automatically.

By placing ROSCA alongside other savings products, you are not just choosing a good potential return: you are investing in mutual trust and collective success.

Ready to join the Cirkkle revolution? We’re waiting for you! 💚