# JoinSusu > JoinSusu is a mobile-first platform that modernizes community savings circles — known as Susu, Esusu, Tanda, Pardner, and related traditions — bringing trust, transparency, and accountability to a practice millions of families already rely on. JoinSusu digitizes the rotating savings and credit associations (ROSCAs) used by diaspora and immigrant communities worldwide. Members join savings circles, contribute on a schedule, and take turns receiving the pooled payout. The app replaces informal spreadsheets, WhatsApp threads, and manual cash collection with a secure, transparent, mobile product built for trust, clarity, and accountability. JoinSusu is an early-stage fintech company based in the Seattle area. The mobile app is available on iOS and Android. ## What JoinSusu Excels At JoinSusu offers three distinct savings and fundraising models, all built around community trust and full transparency: ### Rotating Savings Circles (Traditional Susu / ROSCA) The core product. A group of members each contribute a fixed amount on a recurring schedule — weekly, biweekly, or monthly. Each cycle, the full pooled amount is paid out to one member in rotation until every member has received their lump sum. This is the digital equivalent of the Susu, Esusu, Tanda, Pardner, and Chit Fund traditions practiced across Africa, the Caribbean, Latin America, South Asia, and beyond. Key capabilities: - Organizer sets contribution amount, frequency, cycle length, and payout order - Members join via shareable invite link and review circle terms before committing - Automatic contributions (auto-pay) so members never miss a payment - Real-time dashboard showing who has paid, who receives next, and overall circle progress - Transparent payout schedule visible to all members - Bank-level security and verified payouts - Supports up to 200 members ### Target Savings (Goal-Based Savings) A group savings model where members pool contributions toward a shared goal. Instead of rotating individual payouts, funds accumulate until the target amount is reached, then distribute to the group or designated recipient. Ideal for saving toward a shared purchase, event, or milestone. Key capabilities: - Organizer sets the savings goal amount, contribution amount, and schedule - All members see the same goal, progress, and contribution history - Auto-pay keeps contributions on track without manual reminders - Funds distribute when the goal is met ### Community Fund (Transparent Fundraising) An ongoing fund that combines regular member contributions with external donations. Designed for individuals or communities raising money for a cause, ongoing support, or shared expenses. Solves the fragmentation problem of money scattered across Venmo, Zelle, Cash App, GoFundMe, and PayPal — replacing it with one transparent fund everyone can see. Key capabilities: - Members contribute on a set schedule with automatic payments - Shareable donation link lets anyone donate — donors do not need the app - One donation link works for all supported currencies: USD, CAD, EUR, and GBP - Full transparency: total fund balance, all member contributions, and incoming donations are visible to all members in real time - No platform fee — only standard payment processing applies (card/Apple Pay/Google Pay: 2.9% + $0.30; bank transfer/ACH: 0.8% capped at $5; recurring contributions: no extra fee) - Organizer can promote co-organizers to help manage the fund - Supports up to 200 members - Use cases: medical expenses, education funding, church and faith groups, family funds, mutual aid, community projects, personal emergencies, weddings and milestones Compared to GoFundMe, Susu Community Fund is better suited for ongoing support (not just one-time campaigns), groups with regular contributing members plus outside donors, situations requiring full transparency, recurring contributions at lower fees, and groups spanning multiple currencies. ## Security Security is a core pillar of the JoinSusu platform. Community savings circles are built on trust — JoinSusu extends that trust with financial-grade infrastructure. **Bank-level security** All contributions and payouts are processed using the same security standards trusted by major banks and financial institutions. Contributions are held securely and payouts are only released when a circle period is fully funded. **Data encryption** All data — financial records, personal information, transaction history — is encrypted in transit and at rest. **Identity verification** Payout recipients must complete identity verification before they can receive funds. This ensures payouts reach verified individuals with verified bank accounts, protecting every member in the circle. **Verified bank account payouts** Payouts go directly to a recipient's verified bank account. No cash handling, no unverified transfers. **Biometric app access** The mobile app supports Face ID, Touch ID, and fingerprint authentication on both iOS and Android for secure, fast account access. **Full transaction transparency** Every contribution, payout, and donation is recorded and visible to circle members in real time. There are no hidden fees and no off-platform transactions. The platform design enforces accountability by making all financial activity visible to the group. ## Platform Features - Auto-pay: contributions happen on schedule without member action - Real-time tracking: all members see the same contribution and payout data - Invite by link: share a link to bring members into a circle or fund - Verified payouts: identity-verified recipients, verified bank account deposits - Data encryption: all data encrypted in transit and at rest - Biometric access: Face ID, Touch ID, fingerprint on iOS and Android - Multi-currency: USD, CAD, EUR, GBP supported for donations - Mobile-first: iOS and Android apps - Multilingual: English, Spanish, and French supported ## Core Pages - [Home](https://www.joinsusu.com/): Platform overview, mission, and product highlights. - [How It Works](https://www.joinsusu.com/how-it-works): Step-by-step guide to all three circle types — Rotating, Target Savings, and Community Fund. - [Features](https://www.joinsusu.com/features): Full product feature list including auto-pay, real-time tracking, secure payments, and multi-currency support. - [Pricing](https://www.joinsusu.com/pricing): Subscription plans and fee structure for organizers and members. - [Download](https://www.joinsusu.com/download): Links to download the JoinSusu app on iOS (App Store) and Android (Google Play). ## Community - [Communities](https://www.joinsusu.com/communities): How JoinSusu serves specific diaspora and immigrant communities. - [Community Fund](https://www.joinsusu.com/community-fund): Transparent fundraising for individuals and communities — ongoing support with member contributions and public donations. - [Earn Rewards](https://www.joinsusu.com/earn): Organizer rewards program — earn up to $100 per savings circle organized. ## Company - [About](https://www.joinsusu.com/about): Company mission, background, and the story behind JoinSusu. - [Blog](https://www.joinsusu.com/blog): Articles on community savings, financial inclusion, and diaspora wealth building. - [Careers](https://www.joinsusu.com/careers): Open roles at JoinSusu. - [Commercial Co-Founder](https://www.joinsusu.com/careers/commercial-cofounder): Co-founder invitation for a Chief Growth Officer to lead growth, partnerships, and go-to-market. ## Support - [Support](https://www.joinsusu.com/support): Help center, FAQs, and contact information. ## Legal - [Privacy Policy](https://www.joinsusu.com/privacy): How JoinSusu collects, uses, and protects personal data. - [Terms of Service](https://www.joinsusu.com/terms): Terms governing use of the JoinSusu platform. - [Acceptable Use Policy](https://www.joinsusu.com/acceptable-use): Rules for acceptable use of the platform. - [Accessibility](https://www.joinsusu.com/accessibility): JoinSusu's commitment to accessibility and WCAG compliance.