The Future of Community Finance
Save Together.Build Trust. Save Together.
The first digital platform for group savings circles — bringing structure, accountability, and automation to a tradition your community has practiced for generations.
Good morning, Marcus
$5,100.00
Circles
3
Trust
100
Payout
Apr 28
My Circles
Johnson Family
Due$200/mo
ATL Savers
Paid$100/mo
Houston Hustle
New$500/mo
0M+
Americans in circles
0B+
Market size
0
Dominant platforms
App Preview
See It in Action
A savings circle experience built for the way your community actually works.
Total Saved
$5,100
3
100
Johnson Family
$200/mo
ATL Savers
$200/mo
Your balance and all circles at a glance
See exactly whose turn is next
Pay in seconds — any method you prefer
Your trust score travels with you
The Problem
The System Is Broken
People already save together. The problem is everything around it.
No Structure
Payments tracked in WhatsApp groups with zero records, zero automation, zero accountability.
No Accountability
No enforcement when someone stops paying. One person disappears, the whole circle collapses.
No Visibility
Nobody knows who paid, who is next, or where the money is. Trust breaks down fast.
No Protection
One bad actor wipes out everyone else. No insurance, no recourse, no platform backup.
The payment tools exist — Zelle, Cash App, Venmo. What has always been missing is the infrastructure around them.
Heritage
A Tradition Older Than Banking
Susu
West Africa
A rotating savings practice passed down through generations in Ghana, Nigeria, and across the African diaspora.
Osusu
Caribbean
Brought to the Caribbean by West African communities, osusu remains a cornerstone of informal savings.
ROSCA
Global
Rotating Savings and Credit Associations exist on every continent, serving over 30 million people in the US alone.
Tanda
Latin America
A trusted tradition in Mexico and Central America where families and friends pool money in structured rounds.
How It Works
Simple by design
Step 01
Create a Circle
Set your monthly amount, number of members, and rotation order. Every member sees the full schedule from day one.
Step 02
Members Verify
Every member completes three-step verification — phone number, government ID, and face scan. No anonymous users. Ever.
Step 03
Contributions Tracked
Members pay using Zelle, Cash App, Venmo, bank transfer, or debit card. Potly tracks every payment automatically and notifies the full group in real time.
Step 04
Rotation Managed
The platform manages who receives the pot next. Full transparency. No confusion. No arguments.
Step 01
Create a Circle
Set your monthly amount, number of members, and rotation order. Every member sees the full schedule from day one.
Step 02
Members Verify
Every member completes three-step verification — phone number, government ID, and face scan. No anonymous users. Ever.
Step 03
Contributions Tracked
Members pay using Zelle, Cash App, Venmo, bank transfer, or debit card. Potly tracks every payment automatically and notifies the full group in real time.
Step 04
Rotation Managed
The platform manages who receives the pot next. Full transparency. No confusion. No arguments.
Testimonials
Real People. Real Circles. Real Results.
From the community, for the community.
Beta user testimonials
Platform
Everything you need
Circle Dashboard
Create, manage, and monitor all your savings circles from a single dashboard.
Smart Reminders
Never chase a payment again. Automated reminders keep everyone on schedule.
Trust Scores
Every member has a score based on payment history. See who is reliable at a glance.
Real-Time Tracking
See every payment as it happens. Full transparency for every member in the circle.
Safety Net
Built-in financial safety
If a member can't pay, the circle doesn't break. POTLY can front the payment so the group keeps moving.
Member can't pay
Life happens. A member misses their window.
POTLY fronts the payment
The circle continues on schedule. Zero disruption.
Member repays later
Small fee. Settled transparently. Trust preserved.
Requirements
Verified identity
KYC-verified through the platform
Linked bank account
Active payment method on file
Trust score 85+
History of on-time payments
Revenue
How Potly Makes Money
Multiple revenue streams from day one — all embedded naturally in platform behavior.
Circle Organizer Fee
Every circle organizer pays a monthly fee to run their circle on Potly. They get full rotation management, automated reminders, payment tracking, group chat, and complete records. Currently organizers do all of this manually for free. Potly replaces that work for less than ten dollars a month.
Credit Score Building
Members who opt in have their on-time circle contributions reported to Equifax, TransUnion, and Experian every month. Build credit history with money you are already spending. This is the same model Esusu used to build a company valued at over $1 billion.
Premium Membership
Premium members can see the full Trust Score history of every member in any circle before committing to join. Advanced analytics, priority support, and access to larger circles up to 20 members.
Credit Card Processing Fee
Members who choose to pay contributions by credit card are charged a processing fee covering the bank interchange cost plus Potly margin. Optional — only applies when the member chooses credit card. Reduces missed payments by giving members 30 days grace period.
Revenue Projection
Subscription and credit reporting revenue only — before credit card processing fees.
These projections represent organizer subscriptions and credit reporting subscribers only. Credit card processing fees on transaction volume represent significant additional upside at scale.
Market
Why Now. Why Us.
The competitive landscape is wide open. Nobody has built this right yet.
| Feature | Esusu | Cash App | Banks | SaveCircle | Potly |
|---|---|---|---|---|---|
| Group Savings Circles | No | No | No | Partial | YES |
| Member Verification | Partial | No | Partial | No | YES |
| Automated Rotation | No | No | No | No | YES |
| Trust Score System | No | No | No | No | YES |
| Credit Score Reporting | Yes | No | No | No | YES |
| Built for the Community | Partial | No | No | No | YES |
| Available Today | Yes | Yes | Yes | No | YES |
Esusu — Pivoted Away
Esusu originally built a savings circle app but pivoted completely to rent reporting for landlords. They left this space entirely.
SaveCircle — Barely Launched
SaveCircle is the closest competitor. They have fewer than 10 downloads on Google Play as of 2025. The category is completely wide open.
Potly — First Mover
No fintech company has captured this category at scale. The category winner has not been crowned. Potly is building to win it.
Leadership
The Team
Built by the community, for the community.
Ibrahim Jalloh
Founder & CEO — Potly Circle
Houston, Texas
Ibrahim grew up watching savings circles work — and fail — in his community. He saw families lose money not because the tradition was broken but because there was nothing to hold it together when one person let everyone down.
With over 12 years of experience in technology and financial systems — including work with major US corporations and financial institutions — Ibrahim built Potly to give the savings circle tradition the digital infrastructure it has always deserved.
This is not just a business. It is personal.
Roadmap
The Roadmap
Three phases. Disciplined execution. Clear milestones.
Phase 01: Enter the Market
Months 1–6
- Launch iOS and Android app
- Onboard first 500–1,000 users
- Organizers pay $9.99/month
- Members pay via Zelle, Cash App, Venmo, bank transfer
- Begin credit reporting partnership
- Revenue starts from day one
Phase 02: Grow
Months 7–18
- Scale to 50,000 users across 5 major US cities
- Launch premium membership tier
- Activate referral engine
- Reach $25M in tracked transaction volume
- Introduce escrow option for larger circles
Phase 03: Scale
Months 19–36
- 500,000 users — national rollout
- Full automated escrow disbursement
- Expand credit reporting to all members
- $250M+ annual processing volume
- Raise Series A
Investors
We are raising our seed round.
We are at the ground floor of an $8B+ market with no dominant player and proven generational behavior. The question is not whether this gets built. It is whether you are part of building it.
Early Supporter
Seed investors who believe in the mission and want category-defining upside at the earliest stage valuation.
Strategic Partner
Financial institutions, community organizations, and fintechs who want to be embedded in the platform growth from day one.
Builder
Engineers, operators, and community leaders who want to shape the product and own a piece of what gets built.
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Early Access
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