Circles Powered By Stepladder

We are the global experts in Digital Savings Circles or ROSCAs (Rotating Savings and Credit Associations), also known by many more names around the world - susu, upato, tontine, tanda, paluwagan, chit fund, samity, ajo, pandero, consorcio, junta, pardna, money box, box in hand, group money, committee, chilemba, chama, stokvel, hui, gameya, jamiya, dart, ayuuto, ekub, mabati, pari, adasse, san, arisan, hacba, keyes and many more. We help financial institutions launch and scale collaborative savings Circles fast, safely and securely. Our award-winning platform and proven methodology power inclusive finance in markets where ROSCAs are already trusted by millions. From fintechs and banks to NGOs and governments, we provide the technology, strategy, and support to bring modern Circles to life. ROSCAs move over $500 billion globally every year. We're digitising and optimising them to increase access, transparency, and financial resilience for communities worldwide. Whether you're exploring ROSCAs for the first time or ready to go live, we offer consultancy and a rapid go-to-market solution based on real-world success in Africa, Latin America, MENA, and beyond. Let’s build the future of collaborative finance, together. More: Contact: