Top 5 digital ROSCA applications in the world
Joseph M.
Apr 30, 2025
The digital ROSCA is experiencing global growth. Several innovative applications are modernizing this ancestral model of collective savings. Here is an overview of the 5 best digital ROSCA apps in the world, including of course Cirkkle 🫠
1. Cirkkle (France)
An intuitive, secure, and inclusive application, Cirkkle democratizes collective savings. It stands out as being the first in France, as well as its ease of use and community engagement.
2. Esusu (United States)
Aiming at African diasporas, Esusu allows building a credit history by participating in savings circles. Strong growth in the USA.
3. MaTontine (Senegal)
Focused on the financial inclusion of women, MaTontine combines financial education and access to microcredit, supported by digitized tontines.
4. MoneyFellows (Egypt)
Very popular in North Africa, MoneyFellows digitizes the ROSCA model and offers a simple mobile platform to create or join a savings circle with flexible scheduling and integrated credit rating.
5. Chamasoft (Kenya)
Very popular in East Africa, this platform helps savings groups automate their management and enhance transparency.
Conclusion 👉 a universal format that is going digital
From Africa to America, the digital ROSCA is becoming a global solution. Cirkkle is part of this movement by offering a modern, supportive, and local alternative.
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