①
Start a circle
Gather 2 to 10 people. Agree on an amount — say $50 a week — and how long it runs. Invite friends, or join a circle of trusted strangers once you've built a record.
A savings circle for the modern world
Money Circle
Money circles that work.
For generations, families and neighbors have saved together by pooling a little money each week and taking turns with the whole pot. It built weddings, cars, and businesses long before anyone had a credit score. It only ever broke down for one reason: it couldn't grow past the people you already knew. Money Circle fixes that — so the circle can be as big as your reliability, not just your address book.
Pilot circles forming now · 10 people · $50/week · 10 weeks
How it works
Three simple steps. That's the whole thing.
②
Everyone contributes
Each week, every person puts in the same amount. Same for everyone, every time. No one puts in more, no one puts in less. It's held safely until the week's turn comes around.
③
Rotate the pot
Each week, one person receives the entire pot. The order is set fairly at the start and can't be changed. The cycle continues until everyone has had their turn — exactly once.
Ten people. Fifty dollars a week. Every tenth week, someone walks away with five hundred dollars. Then it's the next person's turn.
No setup headache
Getting started takes 2 minutes.
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1
Sign up with your email
That's it. No crypto wallet to install, no seed phrase to write down and never lose.
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2
Your account creates itself
Everything you need is set up automatically in the background. You don't have to think about it.
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3
Join or start a circle
Gather your people with a single invite link, or step into a circle you've earned your way into.
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4
Contribute, then collect
Put in your share each round. When your turn comes around, the whole pot is yours.
See it in action
Watch how a money circle works.
For centuries
Families and neighbors saved together.
West Africa. The Caribbean. South Asia. A small group, a shared pot, a rotating turn.
The problem
It only ever worked inside your social circle.
Trust doesn't scale. The moment you didn't know someone, the system broke down.
Ten people · fifty dollars a week
Everyone contributes. One person collects.
Each week, everyone puts in. One person takes the whole pot. You rotate until everyone's had their turn.
Circle Score
0x7a…3F9c
Pools completed0
On-time rate0%
Current streak0 in a row
Unlocked
Major Circle — $6,000
Your record is the key
Higher score, bigger circles.
Every circle you complete — on time, every round — builds your Circle Score. You can't buy your way in.
Seed
$250
Circle
$1,000
Fund
$3,000
Major
$6,000
Home
$12,000
Start with $25 a week
End with a down payment.
The same simple idea, all the way up.
$500
this week's pot
Money circles that work
No bank. No credit check.
Just people showing up for each other.
The ladder
Start with $25 a week. End with a down payment.
Money Circle is built to be climbed. Start small with people you trust. As your record grows, so does the size of the circle you can join. Same simple idea, all the way up.
Seed
10 people · 10 weeks
$25 / week
$250
Circle
10 people · 10 weeks
$100 / week
$1,000
Fund
10 people · 10 months
$300 / month
$3,000
Major
10 people · 12 months
$500 / month
$6,000
Home
10 people · 12 months
$1,000 / month
$12,000
Your record
You can't buy trust. You earn it, one circle at a time.
Every time you show up and contribute on time, your record gets stronger. Complete a circle, keep a streak going, and doors open: first you can join circles with friends of friends, then with trusted strangers, then with anyone.
Miss a round, and that mark stays. Permanently. There's no fine print and no way around it — and that's exactly what makes the whole thing safe for everyone else in the circle.
It can't be bought, borrowed, or transferred. It's not a number a company assigned you. It's just the simple, honest truth of whether you showed up. That's the only thing Money Circle is really building.
Your standing
Trusted
Circles completed11
Showed up on time100%
Current streak11 in a row
Missed rounds0
Unlocked: public circles with anyone, anywhere.
Why this matters
Money Circle doesn't touch your income. It coordinates it.
Most financial products built for people who've been shut out of credit are just extraction with nicer branding — a payday loan, a high-interest card, a rent-to-own trap. They make money from you.
Money Circle is the opposite. There's no lender and no borrower. The money is already yours and your circle's; Money Circle just gathers it into a sum large enough to matter, at a moment you can count on, instead of letting it trickle away ten dollars at a time.
The philosopher Ivan Illich drew a line between a service and a tool. A service does something to you and leaves you needing it again next month. A tool puts the capability in your hands and then gets out of the way.
Money Circle is a tool. You are the bank.
It's even, not one-sided
Charity has a giver and a receiver. Money Circle doesn't. Everyone puts in the same, everyone takes out the same. The person paid first isn't receiving a handout — they're receiving the trust of nine people who chose them. That's a different thing entirely.
It catches what slips away
The hardest part of saving isn't earning — it's that ordinary income disperses before it can ever become something. Money Circle's only job is to hold the line, so a little each week becomes a real sum you can use.
An open promise
The rules that hold your money are public. Anyone can read them.
We're asking you to trust a circle with your savings, so we don't get to keep the machinery a secret. The exact rules that decide who gets paid, when, and how much are written in plain, open code that anyone — you, a friend who knows software, a total skeptic — can read and check. That's not a bonus feature. It's the least we owe you for the ask.
Read the open code →
Plain answers
The questions everyone asks first.
No jargon, no fine print. Just how the whole thing actually works, said the way we'd explain it to a friend.
How does Money Circle actually work?
You and your circle each put in the same amount every week or month. One person gets the whole pot. Then you rotate, round after round, until everyone's had their turn — exactly once. The math and the money are handled automatically by a smart contract, which is just a public set of rules running on its own. No single person ever holds the funds.
What is USDC? Do I need to know anything about crypto?
No. USDC is simply a digital dollar — it's always worth exactly one dollar, no more, no less. When you join a Money Circle, your dollars go in as USDC; when you collect the pot, that USDC comes back to you as dollars. You sign up with your email and that's the whole setup. No wallets, no seed phrases, no crypto knowledge required.
What if someone misses a payment?
They get a 48-hour grace period to make it right. If they still haven't paid, they're removed from the pool and that miss is marked on their record, permanently. The pool simply continues without them. You can't erase a miss — you can only keep showing up and build over it.
Can I roll my payout into my next pool?
Yes. The moment you collect the pot, you'll get the option to reinvest it straight into your next circle instead of withdrawing. It's one tap. The momentum carries forward without the money ever going idle in between.
How do I move up to bigger pools?
Every pool you complete — on time, every single round — builds your Pot Score. A higher score unlocks larger circles, eventually with people you've never met. The chain is the proof that you showed up, and that's the only currency that opens those doors. You can't buy your way in.
What if I have a specific savings goal?
Then use the calculator just below. Tell it what you need and when, or tell it what you can comfortably set aside each month, and it'll show you the right pool tier and the path to get there. No guesswork.
Is this a crypto scheme?
No. There's no token to buy, no coin that goes up or down, no yield promised. You put in a hundred dollars, you get a hundred dollars back — just at a different time than if you'd saved alone. The whole value is the timing and the community. The smart contract is only a public ledger that makes sure everyone plays fair.
Who holds my money?
No one does. The smart contract holds it — publicly auditable code that anyone can read line by line. We can't touch your funds, and neither can anyone else. The contract releases the pot automatically the moment it's your turn.
Find your circle
Tell us your goal. We'll find your pool.
Two ways in: start from what you need, or start from what you can afford. Either way, we'll point you to the right rung of the ladder.
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Every figure here is the real pool math — no fees, no interest. You receive exactly what the circle puts in.
Join the waitlist
The first circles are forming now.
10 people · $50 a week · 10 weeks · $500 when it's your turn
You're on the list. We'll be in touch.
Something went wrong — email us at laurens.whipple@gmail.com
No spam, no selling your data. Just an email when there's a seat for you.