Save together.Support each other.
FlowCircle turns everyday stokvels into a smart, trusted money network. Create circles, share spare cash, and build a community FlowScore that travels with you.
Trusted by communities
Building the future of community finance in South Africa
R50M+
Monthly flow
98%
On-time rate
1,200+
Active circles
Everything you need to
manage your circle
Professional tools designed for how communities actually save and support each other
Smart Circles
Create rotational, savings or investment circles with automated scheduling, payment tracking, and transparent member management.
- Flexible contribution cycles
- Automated reminders & notifications
- Complete payment history
Community Float
Share spare cash with trusted members through transparent, short-term support agreements with clear terms and appreciation.
- Set your own terms & rates
- Built-in repayment tracking
- FlowScore integration
FlowScore™
Your portable trust profile that grows with every on-time payment, building your reputation across the platform.
- Real-time trust metrics
- Unlock premium features
- Higher float limits
Real-time updates
Instant notifications
Analytics
Track performance
Mobile-first
Access anywhere
Verified members
Trusted community
Get started in minutes
No complicated setup. No paperwork. Just smart tools for community finance.
Create your circle
Choose your type, set contribution amounts, and pick your schedule.
Invite members
Share a secure invite link with family, friends, or colleagues.
Track everything
See contributions, upcoming payouts, and member activity in real-time.
Build trust
Grow your FlowScore with every on-time payment and responsible action.
Live example
Thandi's Trust Profile
FlowScore™
On-time payments
100%
Active circles
5
Float returned
8/8
Member since
2 yrs
This is a demonstration profile showing how FlowScore works. Your metrics are calculated from real activity.
Built on transparency and security
Not a loan shark. Not anonymous lending. FlowCircle strengthens the trust that already exists in your community.
Real identities only
Every circle member is someone you know and invite. No strangers, no hidden fees, no surprises.
Crystal clear terms
All agreements show exact amounts, return dates, and appreciation rates before anyone commits.
Bank-level encryption
Your data is protected with enterprise-grade security. We never share your information with third parties.
Reputation that travels
Your FlowScore grows with good behavior, unlocking premium features and higher trust limits.
Join the early access waitlist
Be one of the first FlowCircle members
Share your details and we'll invite you as soon as your region and features go live.
We value your privacy. Your details are only used to contact you about FlowCircle and will not be shared with third parties.