Njangi

A rotating savings group where everyone contributes each cycle and one member receives the pot. Payroon keeps the books.

How it works

Create or join
Make a public or private group of 2 to 50 members, or join one with an invite code. Everyone contributes in the group’s currency.
Set the rhythm
Choose a weekly, every two weeks or monthly cycle and a contribution of at least 500 in the group’s currency.
Contribute
Each member pays their contribution for the cycle. Money is held in escrow, not by one person.
Receive the pot
Payouts follow the order chosen for the group: fixed order or a random draw. Each payout is recorded.

Group size	2 to 50 members
Cycle	Weekly, every two weeks, or monthly
Contribution	500 or more, in the group’s currency
Payout order	Fixed order or random draw
Grace period	Hours after the deadline when a contribution is late but accepted (48 by default)
Late fee	A percentage of the contribution (5% by default) set by the group
Platform fee	None on contributions or payouts

Every member earns a trust score from how often they pay on time and how many cycles they have completed. The score places them in a tier.

Score = 60% on-time rate + up to 40 points for experience (25 cycles earns the maximum).

Contributions go into an escrow ledger and payouts are paid from it.

Members can start votes inside the group.

If a group is dissolved, remaining escrow is returned to members who have not yet been paid.

The ledger shows every contribution, penalty and payout.