We’re glad you’re ready to Circle it

Introducing digital savings circles, a powerful savings product leading the new category of social finance

Talk to us about adding ROSCAs to your business

Lucy Mullins
Co-Founder

Matthew Addison
Co-Founder

Contact us

Circles powered by StepLadder is the Best Collaborative Finance platform 2023

This week, Circles powered by StepLadder has won the Pan Finance Award for the Best Collaborative Platform 2023, bringing recognition to the category of Social Finance gaining global influence. It is the most widely used method of saving (used by 40% of the world’s adult population) that most people have never heard of. Circles is expanding to offer a white-label product which can be easily integrated to help businesses across the world to stay ahead of the growing Social Finance megatrend.

How does a Savings Circle work?

Step 1 - Match

People get matched to a group of people with a similar financial goal and everyone contributes the same amount each month. For example £100 a month for 10 months to raise £1000.

Step 2 - Draw

Each month there is a random draw and one person is awarded the total, in this example £1000.

Step 3 - Repeat

This process repeats every month until everybody has received their £1000.

Join us at the intersection of three core themes

Are you a potential investor?

Do you want to partner with us to scale our global FinTech business and make a positive social impact?

Are you a potential partner?

Do you want to offer digital Savings Circles to your customers to increase revenue, reduce churn and support financial inclusion?

Savings Circles have been used around the world for generations. But until now they have been offline, informal and local. This model of saving in groups goes by over 100 different names depending on where you are in the world.

Offering digital Savings Circles is a great way to attract new customers who are already familiar with the product but want something digital, safe and scalable.

Billions are already using savings circles…

Seize the opportunity

Discover the opportunity for Saving Circles in your home market

Understand the commercial opportunity of digital savings circles in your market with bespoke research curated by the Circles team - a group of world-leading experts in online ROSCAs. See the business case for launching this product in your home market.

For further information about your bespoke study, click on the link below and fill out the form.

Market Study Form

Why work with us?

Capitalise on Megatrends

Social connection, gamification. debt avoidance and financial wellbeing are intrinsic features of the Savings Circle
Adaptable for your Market

Meet the demands of your customers and offer a variety of use cases including cars, white goods, decorating a home, technology or even healthcare
Digital Saving Circle Experts

World-leading expertise at translating the Savings Circle to a scalable digital product
Plug + Play API Delivery

Easily integrate into your technology infrastructure. IP & systems fully in-house and purpose-built ready for launch in 10 weeks
Structured for Scale

Capital-light model which scales rapidly and generates fee income without balance sheet risk
Designed for Customers.

Active digital-first communities which motivate and support customers to achieve their financial goals