Ayuta Pay empowers individuals and communities to fund each other through rotating savings
groups and one-time crowdfunding, all without relying on banks or traditional financial institutions. Our platform is inspired by informal savings traditions like chamas, susus, and
ayuta, and modernized to fit a secure, digital experience.
Key Features:
Group Funding (Rotating Savings & Credit Association)
Create or join trusted funding circles. Each member contributes a set amount per cycle, and
one member receives the full payout each round. Ayuta Pay automates the process, tracks
contributions, and ensures fair and transparent payouts.
One-Time Collections
Need to raise funds for a special cause or emergency? Set a goal, invite contributors, and once
your target is met, the money is sent directly to your chosen treasurer or recipient. Great for
tuition, weddings, emergencies, or projects.
Interest-Free Microloans
No banks, no interest, no hidden fees. Use group support and social accountability to access
needed funds — all built on mutual trust.
Seamless Payments
Members can pay securely via credit/debit card or e-check. Get real-time updates and alerts on
contributions, group progress, and payouts. Encryption and compliance ensure financial
security.
Built for Community
Ayuta Pay helps manage group dynamics with ease — track participant contributions, vote on
payout schedules, and maintain a history of performance and trust. It’s more than money; it’s
about connection and shared progress.
Who Is It For?
● Immigrant and diaspora communities
● Entrepreneurs and side-hustlers
● Friends and family funding together
● Anyone seeking a bank-free, trust-based funding model
Why Choose Ayuta Pay?
● No interest. No credit checks.
● Transparent group management.
● Mobile-first design.
● Secure & scalable.
● Empowers financial independence.
How It Works:
1. Create or join a group.
2. Collect entry fees from members.
3. Vote on payout schedule or assign a treasurer.
4. Receive payouts and track contributions.
5. Create new groups and repeat the process.
Ayuta Pay brings traditional community saving methods into the digital age — helping people
fund dreams, emergencies, and goals together.