Savings Clubs

Save together in
dollars, pounds,
and euros.

Your community's savings deserve currencies that hold their value. Create a savings club in USD, GBP, or EUR — with members contributing from anywhere on earth.

Download the App →See Use Cases
$
US Dollar (USD)
The world's reserve currency. Maximum stability, maximum acceptance, maximum protection.
Most popular
£
British Pound (GBP)
Ideal for UK-based diaspora communities sending home and saving collectively.
UK corridors
€
Euro (EUR)
The gateway for European diaspora communities and Francophone African savings circles.
EU corridors
Why Stable Currencies?

Your effort stays your effort.

When a savings club saves in a depreciating local currency, members aren't just saving — they're watching their collective work erode. An ajo that saved ₦5M in early 2023 held roughly $10,800 in value. By 2025, that same ₦5M was worth under $3,300 — a loss of over 70% in dollar terms, without spending a single naira.

CitizenWealth lets your stokvel, ajo, chama, tontine, or chit fund choose to hold funds in USD, GBP, or EUR. Members still contribute in their local currency from anywhere — the platform converts and holds in your chosen stable currency. When it's time to pay out, the money has actually held its value.

📉
Nigerian Naira (₦)
₦5,000,000 → $3,300 value
Dollar value by 2025 (down from $10,800)
🛡️
CitizenWealth (USD)
$10,800 → $10,800
Value fully maintained
Over 70% lost — that's rent for years, a child's tuition, or a family's entire safety net wiped out by currency depreciation alone. Start saving in stable currencies →
Club Types

Save together, your way

Whether you're pooling for a home, protecting your family, or building something together — CitizenWealth adapts to how your community actually saves.

Goal 01
Buy a Home
Pool contributions with family or friends toward a property deposit — in stable currencies that hold their value while you save.
✓ Set a target amount and deadline
✓ Track progress in real time
✓ Auto-pay scheduling for contributions
✓ Earn up to 3% in rewards while you save
✓ Locked wallets — funds held separately
✓ Cash out when the group agrees
Property depositLand purchaseRenovation
Goal 02
Fund Education
Save together for tuition, school fees, or a child's future — contributions from family members anywhere in the world.
✓ Members contribute from any country
✓ Flexible contribution amounts per member
✓ Milestone tracking and notifications
✓ Hold in USD, GBP, or EUR
✓ Transparent ledger visible to all members
✓ No value lost to currency depreciation
TuitionSchool feesStudy abroad
Goal 03
Protect Your Family
Build an emergency fund with your community — a safety net for medical bills, funerals, or unexpected hardship.
✓ Monthly contributions from all members
✓ Consent-based payout when someone needs help
✓ Funds always available — no lock-up
✓ Admin controls for governance
Burial societiesMedical fundFamily safety net
Goal 04
Start a Business
Pool capital with your group to fund a business idea, buy equipment, or launch a side hustle — with every contribution tracked.
✓ Pooled capital with per-member tracking
✓ Rotating or shared payout structure
✓ Full contribution history and transparency
✓ Earn rewards while the fund grows
Startup capitalEquipment fundGroup investment
How It Works

Your savings club in
four steps

From first invite to first deposit in under two minutes.

1
Create Your Club
Choose a name, pick your currency (USD, GBP, or EUR), set the club type, and define the rules.
2
Invite Members
Share a join link via WhatsApp, SMS, or email. Members tap the link and land directly in your club on iOS or Android. They contribute in their local currency.
3
Save Together
Contributions tracked in real-time. Set up auto-pay to contribute automatically on schedule. Full transparency — everyone sees everything.
4
Grow & Pay Out
Club pool earns up to 3% in rewards while saving. When goals are met, funds move — withdrawal fees from 0.60% (Pro). Settlement depends on corridor.
The Dashboard

Everything your club needs.
Nothing it doesn't.

A real-time view of contributions, balances, members, and progress — designed for trust and transparency.

💰
Live Balance in Stable Currency
See your club's total in USD, GBP, or EUR — updated in real-time as contributions arrive.
📊
Goal Progress Tracking
Visual progress bars, milestones, and projected completion dates.
👥
Member Contribution History
Every payment timestamped and visible. Trust by design.
🔔
Smart Reminders
Automatic nudges before deadlines. Adjusts for time zones across countries.
🌍
Multi-Currency Contributions
Each member pays in their local currency. The platform converts at near mid-market rates.
Savings Club
Ndlovu Family Stokvel
Club Balance
$18,420
USD · PROTECTED
Goal: Property Deposit
68%
Recent Contributions
🇬🇧
Sipho N.
London
+$280
🇿🇦
Thandi M.
Joburg
+$165
🇨🇦
James N.
Toronto
+$300
🇿🇦
Nomsa K.
Cape Town
+$145
Contribute Now →
Community Layer

Your club is more than
a ledger.

Savings clubs thrive on connection. The built-in activity feed keeps members engaged, accountable, and celebrating together — across any distance.

💬
Activity Feed
Every contribution, payout, and milestone appears in a shared feed. Members stay informed without chasing updates in a group chat.
💭
Comments & Reactions
React to contributions with emoji. Leave comments on announcements. Keep the conversation in context, not scattered across apps.
🎉
Milestone Celebrations
Hit 50% of your goal? First payout completed? The app celebrates with your club automatically — because progress deserves recognition.
🔔
Nudges & Reminders
Gentle contribution reminders before deadlines. Admins can send nudges to members who are behind — no awkward WhatsApp messages needed.
📌
Pinned Announcements
Admins can pin important updates — rule changes, payout schedules, meeting notes — so nothing gets buried in the feed.
🔗
One-Tap Club Invites
Share a join link via WhatsApp, SMS, or email. New members tap the link and land directly in your club — works on both iOS and Android.
From 0.60%
Deposit & withdrawal fees — no hidden costs
Fast
Settlement — instant to 3 days by rail
24/7
AI-powered support assistant
50
Members per club — scale your circle

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Earn up to 3% in rewards on club savings, backed by US Treasuries.

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Pricing

Transparent fees from 0.60%. See plans for individuals and savings clubs.

View pricing →
Start Today

Your community's savings
deserve stable ground.

Create a savings club in USD, GBP, or EUR. Invite members from anywhere. Start building wealth that actually holds its value.

$ USD£ GBP€ EUR
Download the App →
Free to start · No credit card required · Set up in 2 minutes