Circles · group savings

The oldest finance,
on-chain.

Rotating savings circles — chamas in Kenya, tandas in Mexico, kameti in India, ROSCAs everywhere — are how a billion people already pool capital. KREXUM brings them on-chain with smart-contract enforcement, AI vetting, and credit-score integration.

Try the AI Copilot See the credit model →

Circle lifecycle · four steps

Create. Invite. Contribute. Payout.

Smart contracts enforce the schedule. AI vets each member with their KREXUM credit score. Payout order is determined by need signals plus behavioral score, not by who shouted loudest.

Step 1

Create

Set up a Circle: define contribution amount, frequency, and member count.

Step 2

Invite

Invite trusted members. AI vets each applicant using their KREXUM credit score.

Step 3

Contribute

Members contribute on schedule. Smart contracts enforce payments automatically.

Step 4

Payout

AI determines optimal payout order based on need signals, credit scores, and history.

Credit integration

Circle participation builds your score.

Reliable contributions in a Circle are worth 15% of your KREXUM credit score. The math is simple: people who show up for their group are more creditworthy. Circle behavior is one of the six factors the underwriting model evaluates.

See the six-factor model →