Equal turns
Every active member contributes the same amount and receives exactly one round amount.
SUSU / ROTATING COMMUNITY SAVINGS
Save together.
Take turns.
A susu is a circle of people who contribute the same amount on a shared rhythm. Each round, one member receives the whole amount. The circle continues until everyone has had a turn.
This prototype helps a trusted group write a susu charter and preview its turns. It does not connect a wallet, collect funds, or hold a common pot.
Same amount→Every round→One recipient→Every member gets one turn
01 / CIRCLE DESIGNER
Put the rhythm
in writing.
The designer makes a local preview and plain-language charter. It never asks for a name, address, wallet, signature, or deposit.
02 / THE CHARTER
Trust needs
specifics.
A complete circle agrees on the people, order, timing, evidence, and failure rules before the first contribution.
Named order
The rotation is approved before round one. Changes require visible consent from the whole circle.
Direct receipts
Each payment is tied to one round and one recipient; receipt status stays legible to members.
Missed payment rule
The group writes a grace period, pause, replacement, and exit process before anybody receives early.
No hidden fee
The member amount, round amount, and any future service cost are visible before the cycle begins.
Close the cycle
After the last turn, the circle publishes a final record and retains no common balance.
03 / COMPLETE-CYCLE CHECK
Earlier is sooner.
Not more.
Turn order changes when someone receives the lump sum, but not the equal-cycle total in this model.
Each member contributes40 ꜩ8 × 5 ꜩ
=Each member receives40 ꜩone complete round
→Nominal cycle position0 ꜩbefore timing, fees, or default
04 / RELEASE BOUNDARY
A circle,
not a vault.
A future Tezos version should use member-signed, round-specific transfers directly to the current recipient. Any contract that pools, automates, or controls funds stays disabled until legal, operational, incident-response, and independent-audit gates pass.
CURRENT POSTUREView-only
No wallet · No deposit · No pooled custody · No automatic transfer
- 01Identity + consentEvery member knows the group and approves the charter.Required
- 02Default policyGrace, pause, exit, and replacement rules are explicit.Required
- 03Recipient verificationThe full destination is confirmed again every round.Required
- 04Member-signed transfersNo operator or member can debit another person.Required
- 05Independent auditMandatory before any pooled or automated contract.Locked
05 / PLAIN-LANGUAGE RECORD
Questions before
the first turn.
The useful questions are the ones a circle can answer before trust becomes pressure.
01What is a susu?
A susu is a member-run rotating savings circle. Everyone contributes the same amount on a regular rhythm, and the full round amount goes to one member at a time until every member has received a turn.
02Does anyone earn interest or a return?
No. In this equal-turn model, every member contributes and receives the same total over a complete cycle. Earlier turns receive the lump sum sooner; later turns wait longer.
03Does Allworthy hold the money?
No. This page is a view-only designer and keeps no custody. A future direct rail would ask each member to approve a payment to the named recipient for that round.
04What if somebody stops contributing?
The group needs a written missed-payment, pause, replacement, and exit policy before a cycle starts. Allworthy does not guarantee a member or reimburse a missed turn.
05Is a susu a bank account or insured savings product?
No. A community savings circle is not a bank account, and funds are not represented here as insured, guaranteed, or protected from member default.