Social Savings, Modernized & Protected.
Join trusted digital ROSCAs (Ajo, Esusu, Susu, Pardna, Tandas). Spin for payout order, protect every cycle with Circl Protect™, and grow locked savings up to 12% APY.
Kith Vault yield calculator
See how a payout splits between cash today and locked savings growing at 12.0% APY.
Pool payout₦1,000,000
Auto-save to Vault10%
Liquid Cash Payout
₦900,000
Locked Vault Amount
₦100,000
Projected Yield (1 yr, 12.0% APY)
₦12,000
Total Value Generated
₦1,012,000
How Kith works
1. Pool Together
Join or build custom multi-currency circles with friends or trusted networks.
2. Spin & Swap
Fair live draft wheel for payout positions, plus flexible turn-swapping.
3. Save & Secure
Guaranteed payouts backed by Circl Protect™ insurance reserves.
Circl Protect™ keeps every round on time
If a member misses a contribution, the protection reserve covers the shortfall so the round's winner still gets paid — and the defaulting member's Kith Score reflects it.
Trusted by circles that already save together
Kith modernized our traditional Esusu. The Circl Protect insurance gives everyone peace of mind, and the auto-save vault is a game changer for building actual wealth.
Managing a USD savings circle across the diaspora used to mean endless spreadsheet tracking. With Kith's Live Spinner and instant wallet payouts, it's seamless and fun.
The turn-swapping marketplace saved me when I needed cash for emergency tuition fees. Traded my Pick #8 for Pick #2 in minutes!