Rounds · Mukando, digital
Your round.
Your turn. Your money.
Trusted group savings for communities everywhere. Classic rotation or hybrid accumulate-then-payout — save with people you trust, get paid when it's your turn, on a bank-grade ledger.
Secure, transparent, and fair — for every member.
This round's pool
$ 4 800
Round 4 of 12
Tiana paid in
$ 400 · on time
It's your turn!
Payout $ 4 800 sent
0K+
Active circles (target)
0M+
Group savings goal
0K+
Members (target)
0.0%
Uptime target
Everything for your round
Savings circles, run properly
Whether you call it a round, mukando, or stokvel — PayWallet keeps it fair, transparent, and easy to run.
Mukando
Digital rounds for Zimbabwean savings circles at home and abroad.
Stokvel
Software for grocery clubs, burial societies, and rotating savings groups.
Create or Join a Round
Start a classic or hybrid round with clear rules — or join with an invite code. Admins approve membership before the cycle begins.
Contribute to the Ledger
Pay in on schedule. Every contribution posts to the group savings account with a transaction ID you can trust.
Borrow Against Your Round
Eligible members can take LTV-backed round loans with admin, vote, or auto approval — repayment schedules live on the PayWallet ledger.
Classic or Hybrid Payouts
Classic: fair rotation with reserve protected. Hybrid: accumulate collateral, then receive a multiplied lump sum when your turn unlocks.
Locked Rules, Clear Audit
Round settings lock after the first cycle. Penalties, defaults, and KYC gates keep the group safe.
Web Portal + Mobile Ready
Run your round from the member portal — invite, contribute, apply for loans, track penalties, and see reports.
Simple as passing the pot
How rounds work
The savings tradition you already know — mukando, stokvel, or rotating savings circles — now digital, transparent, and fair.
01
Create or Join a Round
Set amount, frequency, members, reserve, LTV, and rotation or hybrid policy — or redeem an invite code from your admin.
02
Contribute on Schedule
Pay in each cycle. The portal records your payment and posts a deposit to the savings ledger.
03
Stay Ahead of Due Dates
Reminders keep the group on track. Missed payments apply penalties and can reduce collateral after grace.
04
Get Paid Your Turn
Classic rounds pay the distributable pool each cycle. Hybrid rounds unlock a multiplied payout after accumulation.
All about rounds credit
Your rounds build your credit
Millions save in rounds every month, but that discipline never shows up on a credit report. PayWallet changes that — every on-time contribution becomes proof you can be trusted.
Every payment counts
On-time contributions are recorded and build your PayWallet rounds credit history — automatically.
Grow your credit score
A strong rounds record grows your score, so the system can trust you with more.
Unlock more with your rounds
Good standing unlocks bigger rounds, early payout positions, and shopping credit with partner stores.
PayWallet credit score
0
36 on-time contributions
3 rounds completed
Shopping credit unlocked
Member portal · per-user plans
Simple plans for every round
FREE creates 1 group + 1 round and joins up to 3. PLUS and BUSINESS unlock unlimited create and join — same catalog as PayWallet Billing, billed per member account.
Free
FREE$ 0/ mo
Start one group — join up to three
- Create 1 group + 1 round
- Join up to 3 groups
- Fixed rotation · manual contribute
Plus
PLUS$ 5.99/ mo
Unlimited groups for growing circles
- Unlimited groups & rounds
- Unlimited group joins
- Loans, reports & payment reminders
Business
BUSINESS$ 9.99/ mo
Payroll, analytics, and org-scale circles
- Everything in Plus
- Payroll deductions & reconciliation
- Advanced analytics & audit trails
Plan CTAs open the member signup page, then after account creation continue to checkout when you choose PLUS or BUSINESS.
Plan your round
Estimate your pool, your payout, and total savings before you start your round.
Hybrid plan calculator
Builds collateral for half the term, then pays P = members × contribution to priority members.
Pool each round (P = m×x)
$ 500
Priority payout each cycle (6–10)
$ 500
Collateral after 5 accumulation cycles
$ 2 500
Max loan ≈ a×x
$ 500
End share-out (savings)
$ 500
+ equal share of loan interest
Classic calculator
Rotates the full pool each round so every member takes a turn receiving the payout.
Pool each round (P = m×x)
$ 500
Your payout (your turn)
$ 500
Total contributed over cycle
$ 5 000
Why PayWallet?
- Classic rotation rounds and hybrid accumulate-then-payout circles
- Create rounds and invite members with shareable codes
- LTV-backed round loans with admin, vote, or auto approval
- Automated payouts — fixed, random, auction, or vote order
- Reserve protected; collateral and default escalations when needed
- Member portal for loans, penalties, billing, reports, and history
Ready to join a round?
Tell us about your round and we'll help you get set up in minutes.
Ready to start your round?
Mukando, stokvel, or savings circle — whatever you call it, PayWallet makes it easy. Join thousands saving together.