Pool Together.
Grow Together.
Everyone contributes. Everyone gets a turn. NIGIMA brings the savings circle your family and friends already trust into one clear, fair app.
Toronto Friends Circle
CA$500 · Monthly · 10 members
Cycle
4 of 10
Receiving now
Michael Adeyemi
Next contribution due 30 September
NigimaHand
Support a cause, no account needed
Medical bills, school fees, funerals, emergencies. Every cause is reviewed before it can take money, and you can contribute by card or mobile money in under a minute.
Why people choose NIGIMA
Built on trust
Private, invite-only circles. You choose exactly who saves with you.
Locked and fair
Once Cycle 1 starts the rules are locked — no changes to amounts, frequency or members.
Paid only when full
A payout is released only when the pool reaches 100% of its target.
Group decisions
Need to swap your turn? Ask the group and let them vote — every decision is recorded.
How it works
- 1
Create your circle
Set the amount, how often people pay, and how many members.
- 2
Invite your people
Share a link or QR code. Everyone agrees to the rules before joining.
- 3
Contribute each cycle
Everyone pays the same amount on the same schedule.
- 4
Take your turn
When the pool is full, that cycle's member receives the whole amount.
Our safety guarantee
- Money is only released when a cycle pool reaches 100% of its target.
- Circles lock at Cycle 1 — nobody can change the amount, the schedule or the member list.
- Every contribution, payout and vote is written to a permanent record you can review.
- Circles are private and invite-only; members agree to the rules in writing before joining.