Built on Monad · Non-custodial · Rules locked onchain

Save together.
Earn while you wait.

Create secure ajo circles where contributions, payout order and every transaction are protected by transparent smart contracts on Monad.

Create a Savings Circle See how it works

Your money. Your turn. Our code.

Live on Monad Testnet

Factory, registry and treasury contracts deployed and exact-match source-verified.

Non-custodial by construction

Funds move from your wallet straight into your circle's own contract. No master wallet.

Anyone can settle a due payout

Automation is a convenience — never a gatekeeper between you and your money.

The problem

Community savings should not depend on one person holding everyone's money.

Ajo and esusu work — millions save this way every month. But the tradition asks one collector to hold the cash, keep the records, and never make a mistake. MonSave keeps the tradition and upgrades its infrastructure.

See the rotation

Everyone contributes. One person collects each round.

The payout order is agreed and locked onchain before any money moves. Switch the schedule and watch the circle rotate.

Try it yourself

A 5-member circle, every week

Round 1 · Ada
Receives ₦100,000-equivalent
Paid
Round 2 · Tolu
Receives ₦100,000-equivalent
Collecting now
Round 3 · Emeka
Receives ₦100,000-equivalent
Upcoming
Round 4 · Ngozi
Receives ₦100,000-equivalent
Upcoming
Round 5 · Bola
Receives ₦100,000-equivalent
Upcoming

Illustrative product preview — example figures, not live data. Real circles show your own onchain values.

How it works

Four steps. Zero “trust me.”

Create your circle

Choose the contribution, members, schedule and payout order.

Invite your people

Every member reviews and approves the same rules onchain.

Fund securely

Members pre-fund their commitment so future payouts stay protected.

Receive on schedule

The contract releases each pot to the scheduled collector.

Secure Circles

Everyone funds first. Every payout stays protected.

Each member escrows their full commitment before the first payout, so receiving early never lets anyone skip their later contributions.

Worked example — 5 friends

Contribution per round₦20,000 each

Each member escrows₦100,000 (5 × ₦20k)

Every round pays out₦100,000 to one member

Circle holds in total₦500,000, locked to the schedule

Illustrative example, not live data. Circles settle in a supported onchain token; naira figures are estimates.

Earn while it waits

Your savings don't have to sit still.

Eligible funds may earn variable yield while waiting for the next payout. Principal and yield are accounted separately in the contract itself.

Live rate on this network

On Monad Testnet, yield runs through a clearly-labelled simulated test pool so you can see the mechanics; on Mainnet it uses a verified Aave V3 market with a live variable rate.

Rates can change, liquidity may vary and smart contracts carry risk. Yield is never guaranteed.

Security & transparency

Your circle follows the rules everyone approved.

Rules are locked after activation — payout order cannot be quietly changed.

Every contribution and payout is a public transaction on Monad.

Administrators cannot withdraw member principal. The function doesn't exist.

Each circle is its own smart contract — funds are never pooled.

The contracts are open source with a published threat model. They have not yet completed an external audit — and we won't claim otherwise until one exists.

Read the security model

Create your first onchain savings circle.