Your circle. Your savings.
Finally, no chasing required.
Equb Pay handles everything your circle used to manage manually. Things like contributions, payout tracking, and reminders. So you can focus on the trust, not the paperwork.
Rooted in the Equb, Susu, Tanda, and Chit Fund traditions and others not mentioned— open to anyone who wants to save together.
No credit card. No commitment. We'll reach out personally when we're ready for your city.
The savings circle your community has always run, now with everything handled for you.
No spreadsheets. No awkward reminders. No chasing payments. Just your circle, working the way it was always meant to.
Start or join a circle
Invite the people you already trust like family, coworkers, friends. Everyone agrees on a contribution amount and a circle size. That's it.
Contributions happen on schedule
Every member connects their bank account once. From there, contributions move on the agreed date, every cycle. No reminders needed. No awkward follow-ups.
Payouts rotate until everyone receives
Each cycle, the full pool goes to one member. The order is set when the circle starts. When it's your turn, the money arrives in your account.
The tradition has always worked. We just made it easier to run.
The most patient saver pays the least.
We charge a small fee based on your position in the payout order. You always see the exact fee before you accept your position. No hidden charges. No surprise deductions.
Fee by payout position
A tradition anyone can join.
Rotating savings circles have built generational wealth across cultures for centuries. Equb Pay carries that tradition forward. Equb Pay welcomes anyone who wants to save as a group, whether or not they grew up with it.
Equb
The word is in our name. Equb shaped how we think about weekly circles, community roles, and the trust that holds it all together. The values we carry into every circle on the platform.
Susu
Susu is mutual aid made real. We honor that tradition by keeping circles simple to run and easy to trust, no matter where your community gathers.
Tanda
Tandas run on confianza. The technology should too. Our fee structure is visible, our process is simple, and your circle stays yours.
Chit Fund
Chit funds have built financial security for generations. Equb Pay brings that same discipline into a digital format — transparent, structured, and trusted.
Your money. Your community. Protected.
Every technical decision at Equb Pay was made with one question in mind: would your community trust this?
Built by people who know the tradition
Equb Pay was founded by an Ethiopian American who grew up watching family manage Equb circles in notebooks and WhatsApp groups. This app exists because we lived this before we built it.
Bank-level security
We connect to your bank through Plaid. The same technology used by Venmo, Robinhood, and thousands of financial apps. Your login credentials are never visible to us. Ever!
No surprises on fees
You see the fee for your position before you confirm it. If you don't like the position, you don't have to take it. Transparency isn't a feature for us — it's the whole point.
Trusted circles only
Equb Pay is designed for people who already know each other. We recommend only forming circles with people you personally trust. Your community judgment is the first layer of protection.
For the people who make the circles run.
If you've ever organized a savings circle, you know what it costs you. Tracking who paid. Sending reminders. Resolving disputes. Staying up at night when someone is late. Equb Pay handles all of that — not to replace you, but so you can focus on what only you can do: hold the trust of your community.
- Every payment tracked — no spreadsheet updates
- Reminders sent by the app, not by you
- A clear record every member can see at any time
- Your role as organizer is visible and respected in the app
The organizer has always been the most important person in the circle. We built this app to prove it.
Be in the first circle.
We're launching first in Washington DC, Houston, Atlanta, Minneapolis, Denver, and Seattle. Join the waitlist and we'll reach out personally when we're ready in your city. New to rotating savings? You're welcome here too.
No credit card. No commitment. We'll reach out personally when we're ready for your city.