1️⃣
Create your account
Register with your phone number or email. Get a unique Hanatag. Open your first currency wallet. The whole process takes under two minutes.
2️⃣
Join or create a savings circle
Browse public circles or create your own. Set the contribution amount, frequency, and payout order. Invite members by phone, Hanatag, or shareable link.
3️⃣
Contribute on time, every time
Each on-time contribution builds your NCS score. The platform tracks everything automatically. Organisers see a live dashboard of who has paid and who hasn't.
4️⃣
Receive your payout
When your turn comes, the pot is transferred instantly to your wallet — minus the 1.25% platform fee. Withdraw to your bank or mobile money whenever you like.
Ready to get started?
Join thousands of members already using SOHANA to save together, build credit, and send money home.