PayWallet Rounds · Mukando, digital
Your round.
Your turn. Your money.
Digital rounds (mukando) for Zimbabwean communities. Save with people you trust, get paid when it's your turn, and keep every deposit on a bank-grade ledger.
Secure, transparent, and fair — for every member.
This round's pool
US$4,800
Round 4 of 12
Tariro paid in
US$400 · on time
It's your turn!
Payout US$4,800 sent
0K+
Active rounds (target)
0M+
Group savings goal
0K+
Members (target)
0.0%
Uptime target
Everything for your round
Rounds, run properly
Whether you call it a round, mukando, stokvel, or ROSCA — these tools keep it fair, transparent, and easy to run.
Create or Join a Round
Start a round with clear rules — or join with an invite code. Admins approve membership before the cycle begins.
Contribute to the Ledger
Pay in on schedule. Every contribution posts to the group savings account with a transaction ID you can trust.
Borrow Against Your Round
Eligible members can take LTV-backed round loans with admin, vote, or auto approval — schedules live in Fineract.
Fair Payouts, Reserve Protected
When your turn comes, the pool pays out automatically. Reserve stays out of the pot. Choose fixed, random, auction, or vote order.
Locked Rules, Clear Audit
Round settings lock after the first cycle. Penalties, defaults, and KYC gates keep the group safe.
Web Portal + Mobile Ready
Run your round from the member portal — invite, contribute, apply for loans, track penalties, and see reports.
Simple as passing the pot
How rounds work
The savings tradition you already know — mukando in Zimbabwe, stokvels in South Africa — now digital, transparent, and fair.
01
Create or Join a Round
Set amount, frequency, members, reserve, LTV, and rotation policy — or redeem an invite code from your admin.
02
Contribute on Schedule
Pay in each cycle. The portal records your payment and posts a deposit to the savings ledger.
03
Stay Ahead of Due Dates
Reminders keep the group on track. Missed payments apply penalties and can reduce collateral after grace.
04
Get Paid Your Turn
At cycle end the distributable pool (minus reserve) pays the winner — then everyone keeps contributing.
All about rounds credit
Your rounds build your credit
Millions save in rounds every month, but that discipline never shows up on a credit report. PayWallet changes that — every on-time contribution becomes proof you can be trusted.
Every payment counts
On-time contributions are recorded and build your PayWallet rounds credit history — automatically.
Grow your credit score
A strong rounds record grows your score, so the system can trust you with more.
Unlock more with your rounds
Good standing unlocks bigger rounds, early payout positions, and shopping credit with partner stores.
Rounds credit score
0
36 on-time contributions
3 rounds completed
Shopping credit unlocked
Member portal · teal · tenant default
Simple plans for every round
Same FREE, PLUS, and BUSINESS catalog as Rounds Billing. Choose a plan, sign in, and we subscribe tenant default via the live FinOps API — no fake buttons.
Free
FREE$0/ mo
Perfect for small groups getting started
- Up to 3 rounds
- 10 members per round
- Fixed rotation
- Invites & contributions
Plus
PLUS$19.99/ mo
For growing groups that need more room
- Up to 10 rounds
- 50 members per round
- Loans, reports & reminders
- Bid / need / random rotation
Business
BUSINESS$49.99/ mo
For organisations running many circles
- Up to 50 rounds
- 100 members per round
- Payroll deductions & recon
- Advanced analytics & audit
Checkout opens the member portal, then calls POST /api/v1/rosca/billing/subscribe/{planCode} for tenant default.
Plan your round
Estimate your pool, your payout, and total savings before you start your round.
Rounds calculator
Estimate your round's pool and payout when it is your turn.
Pool each round
US$6,000
Your payout (your turn)
US$6,000
Total contributed over 12 rounds (all members)
US$72,000
Why PayWallet Rounds?
- Create rounds and invite members with shareable codes
- LTV-backed round loans with admin, vote, or auto approval
- Automated payouts — fixed, random, auction, or vote order
- Fair payouts with reserve protected from the pool
- Penalties, collateral reduction, and default escalations
- Member portal for loans, penalties, reports, and history
Ready to join a round?
Tell us about your round and we'll help you get set up in minutes.
Ready to start your round?
Mukando, stokvel, ROSCA — whatever you call it, PayWallet makes it easy. Join thousands saving together in rounds.