Why digital ROSCA like Cirkkle make saving simple, secure, and social.

With Cirkkle, saving has never been so accessible. Thanks to digital ROSCA, it is now possible to set aside money, even with a small budget, while benefiting from the strength of the collective.

💶 Save starting from €30 per month? It's possible

No need to have a high salary to start saving. With Cirkkle, you can join a tontine starting from €30 per month. It’s a concrete way to take control of your finances, at your own pace.

🤝 Motivating each other is easier

How many times have you tried to save alone... without success? The tontine changes the game. It relies on a collective motivation: everyone contributes, everyone is committed. We move together, and that's what makes all the difference.

💪 The responsibility that helps you grow

By joining a tontine, you are not just committing your money, but also your word. This system of gentle accountability creates a real bond of trust between members, and helps you keep your commitments without stress.

🧡 Saving becomes a tool for social connection

Each tontine is a small community. By participating in the projects of others, we support each other. Whether it’s to finance studies, a trip, or the purchase of a car, everyone supports each other's dreams. And that brings us together.

📱 Simplicity and security: saving for the new generation

No more paperwork, agency appointments, or administrative hassles. On Cirkkle, you create an account in a few minutes, everything happens on your phone, everything is accessible in real-time, and every transaction is secured.

🎯 Financing all types of projects

ROSCA are not reserved for a single type of goal. Here are some concrete examples of projects funded by Cirkkle tontines:

• A plane ticket

• The purchase of a computer for studies

• A joint fund among friends for going on vacation

• An initial investment for a small business or real estate investment

✅ A tax-free savings (up to €5000)

Little cherry on top: with Cirkkle, in France, ROSCA are tax-free up to €5000 per year. And on Cirkkle, you can join 3 at the same time! Enough to save legally, without paperwork (thus no tax declaration!). In short, without stress.

🚀 Ready to get started?

With Cirkkle, you're not just saving. You're creating connections, building your future, and supporting those who matter to you.