Form a private circle with people you trust. Everyone contributes monthly. Each month, one member receives the full pool. Your turn always comes around.
No credit card. No interest. No catch.
7 members · $200/month
ROTATE is built on the ROSCA tradition — used by millions globally. We've made it simple, transparent, and digital.
Set the contribution amount, the number of seats (4–12), and invite people you trust via a shareable link.
Each seat has a different fee. Want the money now? Take an early seat and pay a higher fee. Willing to wait? Late seats cost less — the last seats are free.
Auto-debited from your linked bank account on the 1st of every month. No manual transfers, no chasing people for money.
When your seat comes up, the full monthly pool lands in your bank. Minus only the fee you agreed to when you picked your seat. No surprises.
We don't charge everyone the same flat fee. Urgency is priced in — and patience is rewarded.
Early seats pay up to 10% — because receiving the pool before you've contributed it all has real value.
Late seats pay progressively less — because you should be rewarded for your patience.
The last 1–2 seats pay nothing. Zero. Free. Because they waited the full circle.
No interest. No compounding. No hidden charges. One fee, shown upfront, locked at seat selection.
Seat fees help support the technology, banking, payment processing, and automated transfer infrastructure that powers each circle.
Participants who choose earlier seats contribute higher seat fees because they receive the pooled distribution sooner. To create a fair and balanced structure, earlier seat contributions help reduce or eliminate costs for later seats who wait longer for their turn.
Seat fees are calculated based on the participant's selected seat and the full duration of the circle participation. The fee is then automatically deducted as a lump sum from the participant's distribution when they receive their payout. Seat fees are designed to keep circles fair and automated.
Members receiving funds sooner contribute more, helping reduce costs for participants who wait longer for their turn.
ROTATE is designed for trusted private circles. Missed contributions from individuals may impact payouts, lower your ROTATE Trust Score, and affect future participation eligibility.
Real examples. No small print. Every fee shown before you commit.
Private circles mean everyone knows each other. Rules are locked before the first payment. Transparency is the product.
Private circles only. Every member is personally invited. No strangers in your money circle.
Contribution amount, seat fees, payout order — all locked before a single payment moves. No surprises mid-circle.
Every member verifies their identity before joining. No anonymous accounts, no fake seats.
Your money moves through Unit.co — a licensed banking partner. FDIC-insured. Never pooled with operating funds.
Contributions auto-debit every month. No cash, no Venmo, no excuses. Every payment tracked on-platform.
Every member builds a trust score across circles — on-time contributions, completed circles, clean repayment history.
Join the waitlist and be among the first to rotate.
No credit card required. No interest. Ever.