Software for savings circles

The app for running a savings circle.

Njangi, susu, tanda, hui, chama, paluwagan, and every circle like them.

RAITON keeps track of who is in, who has paid, and whose turn it is. The organizer stops chasing people, and every member sees the same record. Members join by text. RAITON never holds your money.

Get the appSee how it works
  • You run a circle
  • You're in one
  • You want to start one
16 traditions · one ideaSavings circle traditions shown on the map: Tanda (Mexico), Susu (Ghana), Esusu (Nigeria), Njangi (Cameroon), Likelemba (DR Congo), Stokvel (South Africa), Sanduk (Egypt), Chama (Kenya), Equb (Ethiopia), Kameti (Pakistan), Kitty (India), Hui (China), Kye (South Korea), Tanomoshi (Japan), Paluwagan (the Philippines), Arisan (Indonesia).

Group finance is universal.About the history

RAITON is a coordination and recordkeeping app. No lending. No investment advice. Members move money the way their circle already does.

  • Every contribution on record
  • Njangi · Cameroon
  • One plan the whole circle can see
  • Susu · Ghana
  • Turns set before round one
  • Tanda · Mexico
  • Reminders by text, not by awkward follow-up
  • Hui · China
  • Records, never custody
  • Paluwagan · Philippines

How it works

Three steps. No spreadsheet, no group-chat math.

New to savings circles? A group agrees to put in the same amount on a schedule, and each round one member takes the whole pot. Families, friends, coworkers, and congregations around the world save this way. RAITON keeps the record.

  1. Planner · RAITON app

    Set up the circle

    Add the members, the amount, the schedule, and the payout order.

    Get the planner app

  2. Members · text message

    Members join by text

    Each member gets an SMS invite. No app to download, no account to set up.

  3. Everyone · shared record

    Track every round

    See who paid, who is pending, and whose turn is next. RAITON sends the reminders.

The circle engine

Watch one round of a circle.

  1. 01 / 05 Agreement

    Six people agree on one plan.

    $200 a month, six rounds, and a payout order everyone can see before the first dollar moves.

  2. 02 / 05 Contribution

    Everyone pays the way the circle always has.

    Cash, bank transfer, or app: members choose the method. RAITON records each contribution against the member and the round.

  3. 03 / 05 Reminder

    The planner stops chasing. RAITON sends the nudge.

    Two members are still pending, so they get a text reminder. Nobody has to scroll a group chat to know where things stand.

  4. 04 / 05 Payout turn

    Amara's turn, on the date everyone agreed to.

    RAITON marks whose turn it is and records the payout once it is confirmed. The money moves between members, never through RAITON.

  5. 05 / 05 Rotation

    Next round, the turn moves to Kofi.

    The record carries forward intact. Six rounds, six payouts, and a history every member can return to.

Lines are records reaching the shared ledger. Money moves between members, never through RAITON. Illustrative example.

RAITON records the circle. It never holds the money.

Read the trust model
Friends lying together in a circle outdoors and smiling
“My mom has done this her whole life. Nobody wrote anything down, and it still worked. Imagine what it does with receipts.”
Member interview #41Community savings circle, Maryland
See what circles can plan for

Enter the RAITON world

One infrastructure.
Different ways in.

01 / Product

See the system.

Plan the circle, run each round, and keep the history visible.

Explore the product Four backpackers standing beside a rural road with their thumbs raised02 / Use cases

See your people in it.

Travel, books, mutual aid, major purchases, and the plans circles make possible.

Explore the stories 03 / For planners

The role finally has a tool.

For the person who steps up, keeps track, and gets the plan moving.

Enter the planner room