# CircleFunds

CircleFunds is a licensed digital Ajo app for Nigeria and Africa. Create or join verified thrift savings groups (Ajo, Esusu, Adashe, Akawo), manage contributions securely with automated tracking, KYC verification, and licensed escrow. Access money when you need it—without loan stress.

Website: https://www.circlefunds.io/
Download: https://circlefunds.io/download
Blog: https://blog.circlefunds.io/

## Navigation

- FAQ: https://www.circlefunds.io/faqs
- Careers: https://www.circlefunds.io/careers
- Support: https://www.circlefunds.io/support
- Privacy: https://www.circlefunds.io/privacy
- Terms: https://www.circlefunds.io/terms
- Become an Ambassador: https://www.circlefunds.io/cf-ambassador
- Contact: https://www.circlefunds.io/contact
- Blog: https://blog.circlefunds.io/

## Product

- Community Thrifts: Save with a recommended group based on your income and spending. Upload bank statement for analysis.
- Private Thrifts: Create your own thrift or join with Group ID or invite link.
- KYC verified members. Licensed by Lagos State Government. Automated payouts to your CircleFunds wallet.
- Earn as a thrift admin: Create private thrifts and get paid when people contribute.

## Features

- Community & Accountability
- Flexible Savings Options
- Automated Contributions & Payouts
- Smart Recommendations (bank statement analysis)
- Financial Goal Tracking
- Transparency & Trust (KYC verification)

## Contact

Email: hello@circlefunds.io
WhatsApp Support: https://wa.me/2349151487340?ref=blog.circlefunds.io

## Social

Twitter: https://x.com/circlefundsapp
Instagram: https://www.instagram.com/circlefunds
Facebook: https://www.facebook.com/circlefunds
LinkedIn: https://www.linkedin.com/company/circle-funds
TikTok: https://www.tiktok.com/@circlefundsapp

## FAQs (summary)

- CircleFunds is a mobile app for creating, joining, and managing thrift savings groups (ajo/esusu/adashe/akawo).
- Security: KYC verification, encrypted data.
- Licensed by Lagos State Government Ministry of Commerce, Cooperatives, Trade, and Investment.
- Payouts are automated and sent to your CircleFunds wallet on your due date.
- You can earn as a thrift admin by creating private thrifts.
- CircleFunds does NOT offer loans.
- Bank statement is used to analyse financial patterns and match you with similar savers in community thrifts.