One shared view
Contribution dates, payout order, and group progress stay clear to everyone in the circle.
Made for circles. Not institutions.
Your money circle, finally in sync.
VIRA helps trusted groups coordinate ROSCAs, tandas, susus, pardnas, and other rotating savings circles—with a shared schedule, clear payout order, and payments that move directly between members.
Not a bank VIRA never holds funds Private circles first
illustrative preview
Q4 2026Sunday circle
A plan everyone can see.
AMJRLO+5
Contribution
$100
Cadence
2 weeks
Members
8 people
Payout rotation
on track1
Maya
next
Oct 18
2
Javier
scheduled
Nov 1
3
Lena
scheduled
Nov 15
direct payment handoff
Your connected account → Maya
Known around the world as
tandasusupardnacundinaajoesusustokvelequbthe tradition, explained
What is a ROSCA?
A rotating savings and credit association is a trusted group whose members contribute a set amount on a regular schedule. Each round, one member receives the contributions until everyone has had a turn.
The practice is shared across cultures and generations. The name changes by community; the heart of it does not: people agree on a rhythm, follow through for one another, and move toward individual goals together.
For independent background on how ROSCAs work, see the Federal Reserve Bank of Philadelphia overview.
VIRA’s role is coordination. It gives the circle one place to organize the plan. Your group remains responsible for its own agreement, participation, and decisions.
how VIRA works
How does VIRA organize a ROSCA?
Bring the group you trust. VIRA turns the plan everyone discussed into a clear, shared experience.
- 01
Bring—or find—your circle
Start with people you know, or explore planned discovery tools for circles that may fit preferences such as contribution amount.
- 02
Agree on the rhythm
Set the contribution amount, weekly, biweekly, or monthly cadence, and payout order together.
- 03
Stay in sync
See what’s due, who receives next, and when every turn is scheduled—without the spreadsheet chase.
- 04
Pay member to member
Each person connects their own account and sends contributions directly to the scheduled recipient through VIRA’s trusted system.
built for follow-through
Why use VIRA for a money circle?
The most useful technology doesn’t replace the trust in your circle. It makes the agreement easier to see, remember, and follow.
Less chasing
Timely reminders and in-circle communication keep coordination from living in scattered chats.
Private by default
Invite-only circles keep your group details between the people who belong there.
Identity-aware participation
VIRA is designed to support verified profiles so groups can make more informed decisions.
No pooled VIRA wallet
VIRA coordinates the plan. It does not hold or pool member contributions.
Boundaries you can understand
Plain-language expectations help members discuss timing, missed payments, and group responsibility upfront.
when a contribution is due
The money skips VIRA.
YOU
Your account
direct
M
Maya’s account
VIRA records the coordination status. It does not receive, store, custody, or pool the contribution.
how payments work
How do VIRA circle payments work?
Each member securely connects their own account within the VIRA experience. When it’s time to contribute, the payment moves directly from that member’s account to the scheduled recipient’s account through VIRA’s trusted system.
No VIRA wallet or pooled account
No bank deposits held by VIRA
No lending or credit decisions by VIRA
Direct account-to-account payments through VIRA’s trusted system
built for real life
A familiar tradition, organized for the way your group lives now.
Coordinate a circle for a household milestone, seasonal expense, education goal, celebration, or simply the rhythm your community has kept for years.
family milestoneseducationcelebrationsseasonal expensescommunity traditions
clear answers
Questions worth asking before you circle up.
VIRA should feel simple—not vague. Here are the boundaries, responsibilities, and launch details upfront.
What is a ROSCA or money circle?
A rotating savings and credit association (ROSCA) is a group whose members contribute a set amount on a regular schedule. Each round, one member receives the collected contributions until everyone has had a turn. Depending on the community, the same tradition may be called a tanda, susu, pardna, cundina, ajo, esusu, stokvel, or equb.
Does VIRA hold our money?
No. VIRA is a coordination platform, not a bank, wallet, lender, or custodian. Members connect their own accounts and send contributions directly to the scheduled recipient through VIRA’s trusted system. VIRA helps organize the schedule and payment status; it does not hold or pool group funds.
Does VIRA guarantee contributions or payouts?
No. A money circle depends on its members’ agreement and follow-through. VIRA does not guarantee that a member will contribute or that a payout will be completed. Groups should agree on timing, payout order, missed-payment expectations, and how disagreements will be handled before starting.
Who can use VIRA?
VIRA is being designed for trusted groups coordinating community savings traditions, whether you call yours a ROSCA, tanda, susu, pardna, cundina, ajo, esusu, stokvel, equb, or simply a money circle. Initial eligibility and availability will be confirmed closer to launch.
Can I find a circle if I do not already have a group?
That is planned. VIRA is exploring a discovery option for people who do not already have a group, with potential matching based on needs such as contribution amount. Exact matching criteria, safeguards, eligibility, and availability are still being finalized and may change before launch.
When is VIRA launching?
VIRA is planned to launch in Q4 2026. Join the waitlist for product updates and possible early-access invitations. Features, availability, and eligibility may change before launch.
What do I need to join the waitlist?
Just an email address and an indication of whether you may host a circle, join one, or are still exploring. VIRA does not ask for bank or payment details on the waitlist.
launching Q4 2026
Bring your circle into the next chapter.
Join the waitlist for product updates and possible early-access invitations. We’ll keep the signal useful and your inbox respected.
VIRA is planned for Q4 2026. Features, availability, and eligibility may change before launch.
VIRA’s role
VIRA coordinates circle information. It is not a bank, lender, money transmitter, wallet, or custodian and does not hold member funds.
Circle responsibility
Members remain responsible for their own agreement, contributions, payout expectations, and resolution of any dispute.
Waitlist privacy
Waitlist information is used to share VIRA product and launch updates. No payment or bank details are collected here.