WealthCircle
A shared, transparent record for community savings groups — built by NunyaLink, not commissioned by a client.
The problem
Community savings groups — susu circles, workplace collections, diaspora associations, investment clubs — run on trust and structure, but the tools underneath rarely match that. Most still depend on a combination of:
- A shared spreadsheet, edited by whoever has access to it
- WhatsApp messages as the de facto record of who paid what, and when
- Contribution and loan tracking that depends on one person's memory or notebook
- Withdrawal and loan records kept manually, with no independent check
- Member updates scattered across calls, texts and group chats
None of this means a group is badly run — it means the record-keeping hasn't caught up with how much trust is riding on it.
The system
WealthCircle brings that record into one shared, structured system, built for the way a group already runs rather than asking it to adopt a new process.
- Contributions tracked per member and reconciled against the group's bank statement
- Loan applications, approvals and repayment schedules with a clear status for every loan
- Role-based access — owners, administrators, treasurers, loan officers, auditors and members each see only what their role needs
- Two-person approval required on sensitive actions like withdrawal requests
- Governance proposals and voting, with a permanent record of what was decided and when
- A full audit trail of who did what, and when
WealthCircle is software-only. It is not a bank, credit union, or payments provider — it doesn't hold a group's money, receive deposits, transfer funds or initiate withdrawals. The group's money stays in its own external bank account at all times; WealthCircle gives a clear, shared record of what happens around it.
How it works
The operational journey
Create the group
Name, country, currency, contribution frequency and basic rules, set up in a guided flow.
Invite members
Invitations go out by email. Each member accepts and joins with the role the group assigns them.
Record activity as it happens
Contributions, loan applications and withdrawal requests are logged as the treasurer verifies them against the bank account.
Approve, reconcile and report
Sensitive actions go through two-person approval. Records reconcile against the bank statement, and reports generate on demand.
Product interface
What it looks like
Real product screenshots haven’t been added to this page yet. Here’s exactly what would go here.
Member dashboard — contribution history and status
Screenshot to be added
Organiser/treasurer dashboard — group overview
Screenshot to be added
Contribution recording and reconciliation view
Screenshot to be added
Loan application and approval flow
Screenshot to be added
Governance and voting screen
Screenshot to be added
Reports and audit trail view
Screenshot to be added
What this demonstrates
The capability behind the product
Turning spreadsheets and chat threads into structured data
The same contribution and loan information a group already tracks informally, reorganised into one reconcilable record.
Role-based access for real group hierarchies
Owners, administrators, treasurers, loan officers, auditors and members — each with exactly the access their role needs, not a single shared login.
Approval workflows around decisions that carry real trust
Two-person sign-off and governance voting, designed around how groups actually make sensitive decisions.
Building around an existing process, not replacing it
WealthCircle was designed to fit how a group already runs — not to force a new way of working on it.
Technology: Specific technology choices for WealthCircle aren't published here. Get in touch if that's relevant to your evaluation.
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