We’re looking forward to talking to you! Once you submit this form, our team will respond within 24–48 hours.

We will aim to schedule a short intro call to understand your organisation and explore how Circles can support your business.

Send us a WhatsApp:
+44 7340 798885

StepLadder Office:

Barclays Innovation Hub powered by Eagle Labs

41 Luke Street,

London, EC2A 4DP

How you can work with us

Advisory

Accelerate your business with world-leading ROSCA consultancy. Get support with product strategy, marketing, regulation, financial structuring, consumer psychology and  operations.

SaaS

Integrate easily configurable UX flows for onboarding, dashboard, circle picker and draw day and additional
widgets. Stand alone hosted admin portal for all management/operational workflows.

Full Service

Combine our expert knowledge and software integration
for a full service ROSCA package for your business. 

Let's chat

Hear what CEO of Carbon Bank in Nigeria, Ngozi Dozie thinks about working with Circles...

"The [StepLadder] team have brought not just know how about Circles and technical expertise, but a lot of analytical and execution power. So that they're, in many ways, thinking more about it than we are. And that is fantastic! It's almost like we've hired a team who knows more about this than I ever will. That's in my pocket and very powerful."

Making ROSCAs Digital - FAQs

Through rigorous experimentation, the development of the StepLadder platform has revealed authentic needs and opportunities for the customer. This is how we have answered the key questions of digital savings Circles and can maximise the impact for your own white-label offering.

  • Embedded in the StepLadder member journey are the following stages:

    Contact creation

    Affordability checking

    Circle matching

    Payment processing

    Monthly draw management

    Renewals and habituation

    To understand more about how we created our digital journey please download our FREE guide here.

  • The Circles tech is built so that one Member of each Circle is selected at random (by a random allocation algorithm) to be awarded the Draw Total. You’ll be sent an email to check your Member dashboard, and then if it’s your turn you can book a call with the team.

  • Circles can help you create better performance from fusing behaviour and finance.

    We help you underwrite

    We have built-in nudge factors

    We create interpersonal engagement

    To understand more about how Circles can create successful communities, download our FREE guide here.

  • Community is the antidote to churn.

    With Circles, you can transform saving into a human experience, instead of transactional one.

    We triangulate channels of communication - making finance personal

    We segment our members to anticipate and mitigate and remedy drop out issues

    We visualise the Savings Circle holistically, and manage accordingly for flexibility.

    To understand more about how Circles can help you manage churn, download our FREE guide here.

  • Our Savings Circles are built to be better at mitigating risk.

    We control for adverse selection by using random selection in StepLadder Circles

    There is no financial interest in the mechanism: cost competitive & Islamic finance compliant

    The Circle host is independent and can provide insight & support for the members

    Funds from some Circles can only be used for stated purposes, yielding commercial uplift and superior recovery

    We mitigate the main default risk (change in personal circumstances) via reserves & liquidity pools (where applicable)

    Custody of funds: money paid in to the Circle can be held in a client money account and only released for certain specified purposes

    StepLadder has a mandate to administer and maximise recovery for default. This is also transferable to a specialist, if best for resolution.

    To understand more about how Circles can help you mitigate risk, download our FREE guide here.

Why Choose Our Savings Circle Platform?

  • Faster Savings Access

    Members receive lump sum payouts earlier in the cycle while continuing regular contributions.

  • Real-Time Tracking

    Digital dashboards provide full visibility on savings, contributions, and payouts.

  • Flexible Participation

    Create circles based on monthly, bi-weekly, or custom contributions.

  • Secure Transactions

    Built-in smart contracts & automated verification ensure fund safety & trust.

  • Mobile-Friendly & Cross-Border

    Members can participate from anywhere with multi-currency support.