The oldest trick in group savings — everyone pays in, everyone takes a turn. Sicrow gives your circle one shared record of who has paid, who is next and what's been confirmed, so nothing depends on memory or trust alone. Sicrow never holds your money.
Tunde is due to receive the pool this month. Everyone else keeps contributing on schedule.
Nothing about the tradition changes. What changes is that everyone can see exactly where things stand.
Invite members with a short code. Set the amount, how often you pay, and the rotation order.
Pay the recipient directly or through your admin. Add bank, mobile-money or cash details once.
Members mark their payment as sent; the other side confirms it. Every step is logged for the whole circle.
When every contribution is confirmed, the recipient confirms the payout and the round closes.
On-time payments and prompt confirmations build your score. Missed payments cost far more than punctuality earns, so trust builds slowly and is lost quickly.
Just getting started — not enough history yet.
5+ points. You've started building a record.
20+ points. Consistently on time.
40+ points. A long, clean track record.
Add members, pick a start date and watch the rotation and ledger respond. To track a real circle with your members, sign up.
This demo runs in your browser only — nothing is saved. Sign up to track a real circle.
Sicrow never holds or moves your money. Payments happen the way your circle already does them.
A payment only counts once it has been marked paid and confirmed by the other side.
Late and missed payments cost more than on-time ones earn, so everyone has a reason to show up.
Every action is logged where the whole circle can see it. Admin overrides are always recorded, never silent.