Save Together.
Collect Your Turn.
Zero Stories.
Join organised savings circles with people you know. Contribute on schedule, then collect the pooled amount when it is your turn.
Community
Contribution, Simplified
Join circles with people you know. Contribute together. Move in rhythm.
Soft life loading... no rush ✨
Illustration only
Organised Circles
Save with people you know
Set Schedule
See when each contribution is due
Clear Turn Order
Know when it is your turn
5% Service Fee
A service fee, not interest
How Koloxify Works
Just 3 simple steps.
Join or Start a Circle
Start a circle or join one with an invite code. Each circle sets its contribution amount and schedule, and you can ask for a preferred turn if it is still available.
Contribute on Schedule
Contributions follow a set schedule, so members can clearly see when contributions are due.
Collect Your Turn
When it is your turn, the scheduled payout is based on the circle’s contributions, less Koloxify’s 5% service fee, and is processed according to the circle’s approved rules and funding requirements.
What Koloxify Does
Traditional Ajo, organised in one app.
Automated Contributions
Contributions follow a set schedule, so members can clearly see when contributions are due.
Clear Turn Order
Every member has a numbered turn, so everyone in the circle can see the order in which the pooled amount is collected.
Circle Rules Upfront
Each circle shows its contribution amount, schedule and number of members before you join, so you know what you are signing up for.
5% Service Fee, Not Interest
Koloxify charges a 5% service fee on each successful payout round. It is a fee for running the circle — it is not interest, and Koloxify is not a lender.
Payout Calculator
An illustration of how a circle’s pooled amount is worked out.
Choose Your Numbers
The 5% is a service fee, not interest.
This is an illustration based on the numbers you enter. Actual amounts depend on all circle members making their contributions.
How Circles Are Organised
What every member can see and expect in a Koloxify circle.
1. Phone & Device Security
Your Koloxify account is linked to your phone. Signing in on a new device needs a one-time code and approval from a device you already use.
Member Stories
Stories from Koloxify circles will be shared here, with members’ permission.
Frequently Asked Questions
Clear, straight-to-the-point answers to common questions.
Join the Waitlist
Leave your details and we will let you know when Koloxify opens. No account is created and no money is involved.