Kayd helps friends, family, and communities run rotating savings circles with full transparency. No fees, no middlemen — just a coordination tool that respects how you already save together.
A circle is a small group who agree to take turns receiving a shared payout. Kayd just keeps everyone aligned.
Pick a contribution amount, frequency, and the friends or family you trust. Decide who gets paid out first.
Share an invite link or short code. Members join with email, Apple, or Google sign-in.
Send your contribution however your group already pays each other — Interac, cash, transfer. Mark it as paid in Kayd.
The recipient confirms when funds land. Trust scores update automatically. Closed rounds are tamper-evident and auditable.
No fees, no escrow, no surprise withdrawals. Kayd is a coordination layer over the trust your group already has.
Kayd never touches your funds. You pay each other directly the same way you always have. We just keep the record straight.
Every on-time contribution and confirmed payout strengthens your member trust score across all circles you're in.
Every round is hashed and timestamped. When a round closes, the result is locked and visible to every member.
Optionally attach a screenshot of your transfer. It stays visible to other members of your circle, and only them.
Get reminders only for things you need to act on — your contribution due, payout confirmation, dispute resolution.
If a contribution is contested, the host can review, hear both sides, and resolve in-app — no group chat archaeology needed.
Ayuuto, in Somali tradition, looks like this: a group agrees on an amount, everyone contributes the same each cycle, and one person takes the full pot home. The next cycle, someone else does. When the circle has gone all the way around, every member has received exactly what they put in — but each had a lump sum at the moment they needed one.
It works in Mogadishu and Minneapolis, in Toronto kitchens and Hargeisa courtyards, mostly without paperwork. No interest. No middlemen. Just the people in the room and the same agreement repeated until every member has been paid.
That's the practice Kayd is named after. Same circle. Same trust. Same rules — the only thing we add is a record everyone can see.
They didn't have an app. They didn't need one. They had each other and a shared expectation: when it was your turn, the pot would be there.
It's how families bought homes when banks said no. How kids got to school. How shop signs went up and businesses grew. Across borders the names change — ayuuto, hagbad, ekub, sou-sou, tanda, partner — but the practice stays the same: contribute, take turns, look out for each other.
Kayd doesn't reinvent any of that. We're just writing it down. The same trust your community has carried for generations, with the small careful tools the practice deserves.
We don't hold your money, lend it out, or guarantee anyone else's contribution. Your circle's trust is its own. Kayd just gives that trust a memory.