The savings tradition that built communities, rebuilt
Save together. Trust each other.
SusuWallet is the trust layer for your savings circle: the signed agreement, the shared ledger, and the reputation that follows everyone in it. Your circle keeps paying each other directly. We never touch a dollar.
We hold your word, never your money.
How it works
Three steps. One promise.
Start your circle
Set the terms and the rotation order, then everyone signs an agreement before the first contribution is paid.
Pay each other, like always
Zelle, Cash App, cash: paid directly between members. Mark it paid, the person who received it confirms. Two people, one truth.
- Amara M.Confirmed
- Kofi O.Confirmed by Idris
- Dana B.Awaiting
- Tunde J.Late
Your word travels
Every confirmed contribution builds a trust score that's yours for life, plus vouches from people you've actually finished circles with.
Vouched for by 4 people they've circled with
The difference
Everything your auntie's susu got right. Nothing that could go wrong.
Whether your family calls it a susu, sou-sou, tanda, partner, or ajo, the rhythm is the same: people who trust each other, saving together. SusuWallet keeps the rhythm and removes the risk.
The susu you know
What SusuWallet adds
One person's memory
A ledger nobody can edit
Promises in the group chat
An agreement everyone signs
“Did Dan pay?” texts
Two-sided confirmation, visible to all
Trust that dies with the circle
A score and vouches that travel
An app that holds the pot
No pot at all: money never touches SusuWallet
Trust score & Circle Passport
Your reputation is yours
It grows with every circle you finish, and it goes wherever you go.
Grows with every contribution paid on time.
Circle Passport
We saved together.
Family circle · 6 members
6 cycles · every contribution on time
Why this can't be a scam
Nothing to hide, nowhere to hide it
No pot to steal
SusuWallet never holds, moves, or touches money. There is nothing here for anyone, including us, to run away with.
Signed, not assumed
Every circle starts with an agreement every member e-signs. If someone breaks their word, the circle can export the signed agreement and the full payment record.
Nothing hidden
Every contribution, every confirmation, every date: timestamped, visible to the whole circle, and permanent.
We hold your word, never your money.
Questions
Asked honestly, answered honestly
The tradition
What is a susu?
A susu is a rotating savings tradition practiced for over 500 years across West Africa, the Caribbean, and the diaspora. A group agrees on an amount and a schedule, everyone pays their hand each cycle, and members take turns being the focus of the round. It goes by many names: sou-sou or partner in the Caribbean, tanda in Latin America, ajo or esusu in Nigeria. The heart is the same: saving together with people you trust.
Is SusuWallet a sou-sou / tanda / partner app?
Yes. SusuWallet is a digital home for the tradition, whatever your family calls it. The difference from a traditional susu is what backs it up: a signed agreement, a shared ledger, and a trust score, while money still moves directly between members, exactly like it always has.
Is this an investment?
No, and SusuWallet never holds your money at all. It's a trust layer for a savings tradition, nothing more. You save your own money, paid directly to and from the people in your circle, on a schedule your circle agrees to together.
How SusuWallet works
How do payments get confirmed?
With a two-sided handshake. The member paying their hand marks it paid, and the member receiving it confirms. Both records are timestamped and visible to the whole circle. Members can also optionally link a bank account for read-only auto-verification. SusuWallet only checks that a payment happened, and never gains any ability to move money.
What is a trust score?
A score built only from confirmed payments and completed circles, never from account balances or activity outside your circles. It's visible to people deciding whether to circle with you, and it's yours for life, whichever circles you join next.
What happens if someone doesn't pay?
It's visible to the whole circle the moment a hand is late. There's no hiding it in a group chat. Standing follows anyone who defaults, visible to future circles they try to join. If it comes to it, the circle can export the signed agreement and the full ledger as evidence, including for small claims.
Where does my money actually sit?
Wherever you already keep it. Payments move directly between members by whatever method your circle chooses: Zelle, Cash App, cash, bank transfer. SusuWallet never holds, pools, or transfers funds; it only records that a payment happened.
Getting started
What does it cost?
We will publish simple, up-front pricing before launch. Two things will always be true: you will see every cost before you commit, and there will never be a cost hidden inside your circle.
When is it available?
SusuWallet is rolling out now. Native iOS and Android apps are on the way; until they ship, you can install SusuWallet on your phone directly from susuwallet.app/get.
Your first circle starts with one invite.
Who do you trust?