Circular savings, trusted and effortless.

Join or create rotary savings group (Chama), Save in USDC (Digital dollars), deposit and withdraw via M-Pesa.

USDC
ChamaPay app — My Chamas screen
100%
Secure & transparent
USDC
Stable digital dollars
M-Pesa
Instant deposit & cash-out
Base
Low-cost settlement
Features

Everything your chama needs

A complete digital toolkit for rotating savings — secure, transparent, and built for mobile.

Private Chamas

Create or join exclusive savings groups. Groups are invite-only for maximum trust and security.

Save & Earn

Put your idle USDC to work. Earn yields over time with the flexibility to withdraw your money anytime.

Automatic Payouts

Our system handles turn-based payouts automatically, every member is paid on schedule.

Save in USDC

Your circular savings are held in USDC, a stable digital dollar, so contributions keep their value.

M-Pesa Deposit & Withdrawal

Top up and cash out instantly with M-Pesa. Move between KES and USDC in a few taps.

Turn Tracking

Always know whose turn is next with clear cycle progress and payout reminders.

Transparent Ledger

Every contribution and payout is securely recorded for full, verifiable transparency.

Group Chat

Stay connected with your chama members through built-in, real-time messaging.

Get started in 3 simple steps

From download to your first payout, Chamapay makes rotating savings simple and secure.

01

Download Chamapay

Get the app on iOS or Android and create your account in minutes.

02

Create or Join a Chama

Set contribution rules or join an existing private group via an invite link.

03

Save & Receive Payouts

Contribute on schedule and receive your lump sum, or use Save & Earn to grow your yields.

Group OverviewActive
10 USDC/week

4 members · Weekly cycle · Next: You

Week 1
Week 2
Week 3
Week 4

Built for communities, transparent & secure

Chamapay brings the tradition of rotating savings groups into the digital age. Our automated system ensures every contribution is tracked and every payout is delivered on schedule.

SecureUSDCAutomatedM-PesaMobile First

Simple, transparent fees

Deposits are free. Know exactly what you pay before every transfer and withdrawal.

Send USDC to any external wallet or exchange — including Binance, Bitget, OKX, MetaMask, and more.

USDC
—
Amount (USDC)Fee (USDC)
0.01 – 1.000.01
1.01 – 10.000.05
10.01 – 50.000.10
50.01 – 100.000.25
100.01 – 500.000.50
500.01 – 1,000.000.75
Over 1,000.001.00 (max)

Min transfer 0.01 USDC · No max amount · Fee capped at 1 USDC

Common questions

Everything you need to know about ChamaPay and rotating savings.

Contact Us

Get in touch

Reach us on any of our channels. We'd love to hear from you.

X

@Chama_pay

Gmail

hello@chamapay.io

WhatsApp

Chamapay Community

Telegram

t.me/chamapay

TikTok

@chamapay