· FOR COMMUNITIES
Your group has
been doing this
for
generations.
Diaspora circles, savings groups, faith communities, neighborhood pools. KinPay isn't here to change how your group lends — it's here to make sure the record finally exists. The money still moves the way it always did. Kin is thicker than paper. Now it's on paper too.
· WHO IT'S FOR
Communities have been lending for centuries. Fintech is just catching up.
ROSCAs in West Africa. Chamas in East Africa. Susus in the Caribbean. Paluwagans in the Philippines. Hawala among Somalis. Lend-circles among Pakistani diaspora. The names change. The trust doesn't. KinPay is the first record-keeper built for it.
· DIASPORA CIRCLES
Sending help home.
Brothers in London. Cousins in Toronto. Grandma in Lagos. The money has always moved across borders — KinPay makes sure the agreement does too. So a loan stays a loan, not an awkward silence three years later.
· ROTATING SAVINGS
Susu, ROSCA, chama, ajo, paluwagan.
The pot moves on schedule, in the order you set. KinPay records every contribution, every payout, every signed turn — so it doesn't live in one person's notebook anymore.
· FAITH AND FRIEND GROUPS
When the group steps in for one of its own.
Mosques, churches, temples, alumni networks. The deposit a member needs. The funeral that costs more than expected. The flight home for a family emergency. KinPay keeps the record clean and neutral, so the help feels like help — not a debt the person carries silently.
· COOPERATIVES
Members lending to members.
Market traders. Transport unions. Salon co-ops. Small business associations. The money has always circulated — KinPay just makes sure the chair, the treasurer, or the founding aunty isn't the only one holding the ledger.
· GETTING STARTED
Set up in an afternoon.
No procurement. No demos in a hotel boardroom. Whichever member of the group is the most patient with phones can do this.
01
Tell us about the group.
Name, country, rough size. Five-minute form. We respond within two business days.
~ 5 MIN
02
Invite the chair and the treasurer.
They co-own the group on KinPay. Two keys for the bigger changes.
~ 5 MIN
03
Add members at your pace.
Bring in the whole roster on day one or onboard cohort by cohort. Both work.
~ 15 MIN
04
Move existing agreements in.
Type them up or import from a spreadsheet. Backdated is fine — KinPay marks them as such.
~ 30 MIN