Join your team to test our new Digital Esusu Product

What do I have to do?

We’re working with Circles powered by StepLadder to bring you a first-of-its-kind Digital Esusu, or Savings Circle, in Nigeria. Carbon employees are being given the opportunity to take part in a trial so we can gather important market information.

NOTE: No money is being taken or awarded in this trial. It is a simulation only.

All you have to do is sign up to the trial and test the Circles platform for us. There will be a Draw every day and you will receive emails to check your Circle status in the platform.

How does a Savings Circle work?

Step 1 - Match

You will be matched to a Circle of Carbon employees. The Circles platform will simulate adding money to your Savings account every day.

Step 2 - Draw

Every day there is a random draw simulation and one Carbon employee will be ‘awarded’ the total Circle value.

Step 3 - Repeat

This process repeats every day until everyone in your Circle has been ‘awarded’ their total savings goal.

Here’s how other people feel about using Circles

  • “They have been amazing in supporting me to reach my savings goal and owning a home is no longer just a dream thanks to them.”

    Wumi, StepLadder Member

  • “This is an excellent way to save money in a safe group environment every month with the flexibility to choose the amount that is affordable for you.”

    Joshila, StepLadder Member

  • “Allows me to save money without even thinking about it and because the money is held in my Circle account, it can’t be spent whilst trying to reach my savings goal.”

    Tammy, StepLadder Member

  • I'm investing my savings for my new home, and not only does StepLadder help you to save but they connect you to the people who will kick start the process of getting my home. It’s one of the best decisions I've made.”

    Kadion, StepLadder Member

Want to know more?

If you’re new to the concept of Savings Circles, it is best explained by our Co-Founder, Lucy. Before Lucy met Matt, she also hadn’t heard of collaborative finance but now she travels the world on the Circles mission to help change millions of lives through this simple idea.

What are the benefits of joining a real Circle?

Speed

  • By working together 90% of people reach their savings goals faster than saving alone

Community

  • Stay disciplined and get motivated with a like-minded community.

Support

  • Feel supported on the savings journey with a knowledge hub and partner offers