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Digital Tontine Savings Circles

Community Savings.
Rooted in Tradition.
Managed Professionally.

A tontine is a rotating savings circle — members contribute monthly, and each month one member receives the full pool. Teranga manages the circle professionally, ensuring transparency, accountability, and community trust.

Join a Circle How It Works
Professionally managed · Transparent · Community-trusted · EN/FR/WO support
How a Tontine Works
1
10 members each contribute $200/month
2
Total pool = $1,900 (after $100 admin fee)
3
Each month, one member receives the full pool
4
After 10 months, everyone has received the pool once
Also known as: Sou-Sou, Njangi, Susu, Chit Fund, Hui
The Process

How Teranga Manages Your Circle

01
Apply & Join
Submit your membership interest form. Teranga reviews your application and matches you with a circle at your preferred tier and contribution level.
02
Sign Agreement
Sign the Member Agreement and Banking Consent Form. Teranga explains all rules, your payout position, and the default protection policy in your language.
03
Contribute Monthly
Send your monthly contribution via Zelle, CashApp, Venmo, or bank transfer by the 1st of each month. Teranga tracks every payment and sends receipts.
04
Receive Your Payout
When your turn comes, Teranga coordinates the direct transfer from all circle members to you. You receive the full pool minus the admin fee.
Membership Tiers

Choose Your Circle

Four tiers to match your savings goals and financial capacity. All tiers include full Teranga management, EN/FR/WO support, and the same community trust.

Starter
Starter Circle
$100
per member / month
5–8 members per circle
Monthly payout: $450–$720
5–8 month cycle
Zelle / CashApp / Venmo
EN/FR/WO support
Most Popular
Standard Circle
$200
per member / month
8–12 members per circle
Monthly payout: $1,440–$2,160
8–12 month cycle
All payment methods
Priority scheduling
Premium
Premium Circle
$500
per member / month
6–10 members per circle
Monthly payout: $2,700–$4,500
6–10 month cycle
Guarantor required
Dedicated coordinator
Business
Business Circle
$1,000
per member / month
5–8 business members
Monthly payout: $4,500–$7,200
5–8 month cycle
Security deposit required
Business verification
Get Started

Express Your Interest

Submit your membership interest form and a Teranga coordinator will contact you within 48 hours to explain the process, answer your questions, and match you with the right circle.

Phone / WhatsApp

Membership Interest Form

We will contact you within 48 hours to discuss your options.