One of Circle 360’s first users, The WarmHeart Foundation, is a non-profit foundation committed to reducing poverty in local communities. WarmHeart is implementing Circles 360 for African farmers to get the money they need to build biochar fertilisation systems and improve their crop yields. 

Warm Heart Co-Founder, Evelind Schecter, commented, "At Warm Heart, our purpose is to work with communities to make change happen. Circles 360 is a great fit for us because group saving will have a huge and positive impact on the communities we work with. By providing this tool we're equipping people with a platform to motivate each other to reach their financial goals to support their families and community programs. Through Circles 360, we can foster new savings communities so that more people have access to personal financial tools."