Three-circle pilot · Now accepting organisers
Make the circle clearer. Keep the money moving directly.
Kolo gives organisers one calm place for schedules, transfer proofs, and reminders—without changing how your group already pays each other.
The pilot boundary
Coordination software, not money custody.
- Members keep using their own direct or manual transfer method.
- Kolo does not hold, pool, or guarantee member funds during this pilot.
- The work is to learn from real group operations—not to promise an outcome.
What Kolo coordinates
Less chasing. A stronger shared record.
Contribution and payout schedules
Give every member a clear view of what is due and what comes next.
Manual transfer proof tracking
Record transfer confirmations and keep the group's shared history in one place.
Organiser-led reminders
Use clear reminders around payment dates and decisions, without replacing the relationships that already make your circle work.
Pilot process
One controlled cycle, carefully observed.
We are recruiting three established rotating savings circles for this first pilot cohort.
01
Apply
Tell us how your existing circle works and who is coordinating it.
02
Onboarding call
We map your payout order, contribution rhythm, and the workflow your group already uses.
03
Run one cycle
Use schedules, proof tracking, and reminders while members continue direct transfers.
04
Review outcomes
Review recorded payments, missed contributions, defaults, and what the group would change.
Early coordination pilot. Clear expectations.
Kolo is not a bank, deposit product, lender, or source of financial advice. This pilot does not provide a guarantee, insure contributions, or promise reduced defaults. Groups remain responsible for their own decisions, transfers, and records.
Pilot application
Bring the circle you already trust.
We are looking for organisers of real groups who want a more consistent way to run their next cycle. Share a few details and we'll be in touch.