Now live at thriftly.uk · Q4 2026 · Nottingham, UK

Your savings circle,
finally on record

Thriftly helps ajo, susu, pardna and esusu groups track contributions, manage cycles, and turn years of saving discipline into proof a bank or solicitor can actually use.

Join the waitlist → Try the app ↗

We never hold your money Free to organise Built for UK communities ICO Registered: C1991252

PILOT v0.1

THRIFTLY RELIABILITY SCORE™ · BGE™ POWERED

BGE™ · No Anomalies Detected

Consistency

75%

Streak

4 cycles

Timeliness

1.3d early

Stability

67%

The problem

You saved honestly.
Why can't you prove it?

Millions of UK families save reliably through community circles — ajo, susu, pardna, esusu. But when that money is needed for a mortgage, rental deposit, or solicitor query, there is nothing formal to show.

The saving was never the problem. The missing record is.

"My mortgage was delayed three months because the solicitor could not explain where the deposit came from. It was my ajo. Years of saving — and it counted for nothing on paper."

— Community member, Nottingham

How it works

Four steps. No money changes hands.

You keep paying your group exactly as you always have. Thriftly just keeps the record properly.

Set up your circle

Add members, set the contribution amount, and decide the payout order in minutes.

Track every cycle

Log contributions as they happen. Every payment timestamped and confirmed.

Build your score

Every on-time contribution strengthens your Thriftly Reliability Score — powered by the BGE™.

Generate your proof

Generate a Verification Report for banks, solicitors, and lenders in seconds.

What's inside

Everything your circle already does — finally organised

⊙

Circle management

Create circles, invite members, manage payout order — random draw, need-based, or first-come.

✓

Two-step confirmation

Members log what they sent. Organisers confirm receipt. Clean, auditable, non-custodial.

🔔

Smart reminders

Automatic contribution reminders so nobody falls behind by accident.

★

Reliability Score™

A 0–100 behavioural score built from your contribution history. Yours to control and share.

📄

Verification Reports

A professional, verifiable document showing your savings history — built for banks to actually read.

🌍

Every tradition

Ajo, susu, pardna, esusu — Thriftly speaks the language of your community.

The Thriftly Reliability Score™

Your discipline,
finally readable

Every on-time contribution counts toward something real. The TRS™ turns years of informal financial discipline into a structured, verifiable record powered by the BGE™.

On-time contribution rate40%

Cycles completed25%

Group governance quality20%

Dispute-free history15%

Your Thriftly Reliability Score is a behavioural record of your savings participation. It is not a credit score and does not determine credit eligibility.

Reliability Score

Every name, one tradition

Whatever your community calls it,
Thriftly speaks the language

AjoNigerian & West African

SusuWest African & Caribbean

PardnaJamaican & Caribbean

EsusuYoruba communities

HagbadSomali communities

Be among the first to try it

We are opening early access ahead of our Q4 2026 launch. Join the waitlist or try the app right now.

Join the waitlist →

No spam. Just your invite when early access opens.

↗ Open the app — now with AI Financial Guide

Your savings circle,finally on record

You saved honestly.Why can't you prove it?