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.
Members pay each other directly
Members pay each other directly — through Zelle, Venmo, Cash App, Apple Pay, or Google Pay. No money ever passes through Equb Pay. We just keep the record.
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, you receive the pool directly from the other members.
The tradition has always worked. We just made it easier to run.
Always free to use.
Equb Pay is free to use. No platform fees. No transaction cuts. No hidden charges. Members pay each other directly using the payment apps they already trust — Zelle, Venmo, Cash App, Apple Pay, or Google Pay. We handle the tracking so your circle stays honest and organized.
Built for community. Open to everyone.
Rooted in the Equb, Susu, Tanda, and Chit Fund traditions — and open to anyone who wants to save together as a group.
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 process is simple, our record is visible, 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.
Equb Pay never touches your money. Payments happen directly between members using apps you already use. We provide the record-keeping, the structure, and the accountability — your community provides the trust.
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.
We never touch your money
Payments happen directly between members using Zelle, Venmo, Cash App, Apple Pay, or Google Pay. Equb Pay never holds, moves, or processes funds.
Free to use
No platform fees. No transaction cuts. No hidden charges. There is nothing to deduct, because we never handle the money.
A record everyone can see
Every contribution and payout is logged and visible to the whole circle, so there's never any ambiguity about who paid and who received.
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.