Ayuuto coordinates your rotating savings circle. Track every round, every contribution, every payout — with full transparency and zero fees.
Coming soon to iOS and Android
No banks, no fees, no complicated setup. Just your group, your rules, and complete transparency.
Set the contribution amount, frequency, and invite your trusted group.
Each round, one member is the recipient. Everyone else contributes.
See who’s paid, who’s pending, and where every dollar goes. In real time.
Trust scores and audit logs keep everyone accountable and honest.
Built for the way savings circles actually work.
Every member gets a reliability score based on their contribution history. See who shows up, every time.
Every action is logged. Who confirmed what, when, and why. Tamper-proof with integrity hashes.
Reminders to contribute, alerts when payments are confirmed, and updates when rounds close.
Contribution statuses update instantly. Everyone sees the same picture, always.
If something doesn’t look right, members can dispute a decision. Transparent resolution built in.
Ayuuto is free. Money moves directly between members using e-transfer, cash, or however you choose.
We take security seriously. Your circle’s data is encrypted, audited, and stored on Canadian soil.
All data is encrypted in transit (TLS) and at rest on Google Cloud infrastructure in Toronto.
All critical operations run on our servers with SHA-256 integrity hashes. No client can tamper with records.
Your data lives in Google Cloud’s Toronto region (northamerica-northeast1). It doesn’t leave Canada.
A Rotating Savings and Credit Association (ROSCA) is one of the oldest financial systems in the world. A group agrees on a fixed contribution. Each round, the pool goes to one member. It rotates until everyone has received.
No interest. No bank. Just community trust.
Ayuuto digitizes this tradition — making it easier to coordinate, harder to lose track, and transparent for everyone involved.
Download Ayuuto and bring your savings circle online. It’s free, it’s simple, and it’s built for your community.
Coming soon to iOS and Android