We don’t need another finance app - we need each other
Give your customers a way to save together responsibly for the things they care about
Circles 360 enables brands to launch community saving experiences that increases engagement, builds customer insight, and drives responsible financial behaviour - without building a new product, tech integration, or expensive marketing
Why Businesses Partner with Circles 360
Get Your Customers Buying Responsibly
Help customers save before they buy - from gym gear to groceries, memberships to merchandise - instead of relying on credit or Buy-Now-Pay-Later alternatives.
Gain Insights and Strengthen Loyalty
Understand real spending habits through circle data - goals, frequency, consistency, and motivations. Shared goals keeps your customers active and retained.
Build Trust Without Risk
Circles 360 doesn’t hold funds. All payments happen peer-to-peer, reducing compliance complexity and preserving transparency.
Drive Community-Led Growth
When customers invite others into saving circles, your brand naturally extends into new networks, organically increasing reach and awareness.
Flexible, Rapid Deployment
White-labelled and live without integration. Get up and running in days, not months.
What is a Circle?
A Circle is a group of people who agree to:
save a set amount
on a simple schedule
towards a shared or individual goal
Circles 360 is the tool to organise these groups while preserving transparency and accountability throughout the savings journey.
Customer benefits
Less Chasing
Automated nudges and reminders reduce manual follow-ups so your customers stay on track with minimal effort.
Full Transparency
Everyone in a savings group sees the same terms, progress, and payment status, boosting trust and reliability.
Better Habits, Shared Momentum
Saving socially makes it 3x easier for customers to stick to their plans and reach goals, increasing the likelihood they convert into purchases.
Save Faster, Responsibly
Groups create structure to help customers reach their goals sooner, without relying on expensive borrowing or debt.
Trust Over Time
Reliable payment behaviour builds confidence within groups and fosters positive social experiences tied to your brand.
“Saving on my own never worked. Saving with other people did. Circles made it feel easy and I actually stuck to it.”
Ade, London
— Former StepLadder MemberHow Circles 360 Works
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1. We White-Label the Platform
Your brand, your logo, your colours. Circles 360 becomes part of your digital ecosystem seamlessly in days
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2. You Invite Customers to Save Together
Circles provides a purposeful alternative to credit. Invite users to form circles around purchase goals that matter to them
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3. Groups Form & Save Socially
Participants build shared commitment and momentum, introducing their friends and family to your brand
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4. Everyone sees what’s happening
Full transparency keeps customers engaged and accountable. Circles reviews show Members who are good payers and can choose to save with them
What 360 is
✔ A tool to organise group saving
✔ A way to stay accountable together
✔ A shared dashboard for progress
What 360 isn’t
✖ Not a bank or an eWallet
✖ Not getting into debt
✖ Not Buy Now Pay Later
FAQs
Here are some of our most frequently asked questions. Please contact us if you can’t find what you’re looking for here.
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No. Circles 360 never holds or processes customer money. Payments happen directly between participants using their own bank accounts.
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It gives your customers a structured, social way to save before purchase, increasing engagement, loyalty and responsible conversion to sales, without adding credit risk or handling funds inside your ecosystem.
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Circles 360 makes it very clear who has paid and who hasn’t.
This transparency:reduces awkward conversations
helps groups deal with issues early
encourages reliability
Ultimately, Circles are built on trust and Circles 360 just makes that trust visible.
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A commitment to promote Circles 360 to your customers. Your team is best positioned to announce the experience via your business channels.
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Absolutely! Fitness, lifestyle, retail, grocery and community brands can harness saving circles to help customers save toward goals that align with your products and services.
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We have a marketplace of offers and discounts in our Circles 360 app! So you can cross promote your other product lines and provide discounts to drive customers to buy other products.
Savings circles - also known as ROSCAs, stokvels, tandas, ajos and many other names - are used globally because people work better together.
Circles 360 brings this traditional, trusted behaviour online in a digital and branded experience that aligns with modern customer expectations.
