A community-first savings and microfinance platform where trust is the infrastructure. We take the saving traditions diaspora communities have relied on for generations and give them a secure, scalable home in the digital economy.
MONEY PUT TO WORK. NOT WORSHIPPED.
Billions of people around the world already save together through rotating savings circles. You might know them as susu, partner, cheme, or tandas. It is a tradition older than banks themselves. What has been missing is a secure, trusted, digital home that brings this practice into the modern era.
Cyrql is that home. We bring identity verification, trust scoring, rotating savings circles, microloans, a community marketplace, and digital wallets together into one seamless app. Members are bound by shared financial goals, and every on-time payment, every vouch, and every completed circle strengthens the network while unlocking greater financial access.
One app. Five integrated pillars that turn community trust into a bankable financial identity.
Identity & Trust Tiers
Tiered KYC verification (Basic → Verified → Trusted) with reputation scoring that turns reliability into borrowing power.
Rotating Savings Circles
Digital susu/partner circles with automatic payouts, late-fee enforcement, and real-time treasury tracking.
Microloans & Lending
Circle-backed loans with escrow protection, dual confirmation, and lender dashboards — collateral replaced by community vouches.
Wallet & Marketplace
In-app wallets, peer-to-peer transfers, and a community marketplace where members buy, sell, and recommend with trust.
Reputation as Currency
Every payment, vouch, and completed circle builds a score that compounds — unlocking bigger circles and better rates.
A massive, underserved, global market.
$1.9T
Annual remittance market
600M+ senders globally
1.4B
Unbanked adults
Invisible to credit systems
$300B+
Informal rotating savings
Estimated global pool
70M+
Diaspora communities
Primary Cyrql audience
Multiple revenue streams across the ecosystem.
Subscription Tiers
Free, Premium ($29/mo), and Diamond ($50/mo) plans with advanced circles, lending, and analytics.
Loan Origination Fees
Percentage-based fees on microloan disbursements through the lending marketplace.
Marketplace Commission
Transaction fees on community marketplace sales and escrow services.
Premium Features
Auto-invest, calendar sync, advanced treasury reports, and priority dispute resolution.
We don't just digitize savings — we build financial identity.
Trust Infrastructure
Multi-layer KYC + reputation scoring no competitor offers.
Community-Native
Built around real-world traditions, not imposed on them.
Diaspora-First
Designed for cross-border communities from day one.
Full Ecosystem
Savings + loans + marketplace + wallet in one app.
To become the global financial identity layer for communities the traditional banking system has left behind. Every member a node. Every transaction a thread. Together, weaving a financial safety net stronger than any bank.
We're seeking partners who believe trust is the most undervalued asset in fintech.