Your data belongs to your group
We do not sell your group's financial data. We do not use it to train anything. What your group records stays with your group. You can export your full history at any time.
Our story
Built in Cameroon, for the savings groups that hold communities together
The notebook has served njangis and tontines for generations. The problem was never the system. It was the absence of a record that every member could see and verify. We built that record.
The trust problem in contribution groups is real
Across Cameroon, millions of people belong to njangis, tontines, welfare associations, and family savings circles. These groups are not just financial tools. They are expressions of community — the way people access lump sums they could never save alone, support each other through emergencies, and build something together over time.
But the management of these groups has barely changed in decades. A treasurer keeps a notebook. Payments come through MTN Mobile Money or Orange Money with no official paper trail. The secretary records what they can, when they can. When they travel or fall sick or hand over to someone new, something always gets lost.
Circle Ledger exists because we believe the problem is not the people. It is the system. A shared, permanent, verifiable record — one that every member can access from any phone — changes the dynamics of a group entirely. When everyone sees the same numbers, disputes resolve themselves before they start. Trust becomes structural, not personal.
What we built this on
Transparency is not optional
Every member of a savings group has a right to know the
full financial picture — not just what the admin chooses
to share at the monthly meeting.
Records prevent arguments
When the record is clear and everyone can see it,
the argument does not start. The ledger settles it
before it begins.
Solidarity deserves better tools
Savings groups are acts of community. The tools
that support them should match the dignity and
seriousness of what those groups represent.
Our values
What we will not compromise on
These are not marketing phrases. They are the principles that shape what Circle Ledger does — and what it deliberately does not do.
Admins are accountable to members
Circle Ledger is designed so that every action the admin takes is visible to the group. Approvals, rejections, disbursements — all of it is in the record. Nothing disappears quietly.
Works on any phone, any browser
Not everyone in your group has a high-end smartphone. Circle Ledger runs in any browser — Chrome, Firefox, the built-in Android browser. No app to download. No storage to free up.
Built for this context, not adapted from another
Amounts in XAF. Terminology that maps to how njangis and tontines actually work. We did not take a Western fintech product and translate it. We started from how your group operates.
Ready to give your group the record it deserves?
Sign up for a free account and set up your first group.