Book Matt and Lucy as speakers

Matt is the world-leading expert on ROSCAs having written his thesis on this global mega trend. Lucy is a high-energy and inspiring speaker and professional coach who enjoys sharing the Circles start-up story and life as a founder.

“My passion and experience in FinTech is around making finance social, the importance of community in personal finance, digital coaching for financial wellbeing, and how collaborative finance products can promote financial inclusion.”

Lucy Mullins
Co-Founder

Lucy's Linked In

“I started StepLadder to make a positive social impact on British first-time buyers and fix a broken system. I became fascinated in the power and opportunity of collaborative finance during my Wharton MBA/MA graduate school work in Brazil.

Matthew Addison
Co-Founder

Matt's Linked In

Circles powered by StepLadder is the Best Collaborative Finance platform 2023

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 finance trends

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.