Cirva: Thrift & Cooperative

Cirva brings the way we've always saved money together into the digital age. Whether you call it ajo, esusu, or adashe we built Cirva so your group contributions run smoothly without the drama.

Save Together, Grow Together
Create savings groups with friends, family, or coworkers. Set your contribution amount, pick a schedule (daily, weekly, or monthly), and let Cirva handle the rest. Payouts rotate fairly, and every transaction is tracked so there's full transparency.

Your Own Savings Goals
Not everything has to be a group thing. Set personal savings targets, lock funds away for a set period, or save flexibly at your own pace. You decide how disciplined you want to be.

Pay Bills Without Leaving the App
Buy airtime and data for any network. Pay your DSTV, GOtv, or Startimes subscription. Sort out electricity bills, internet, and more. Save your frequent billers so you never have to re-enter details.

Your Wallet, Your Way
Fund your Cirva wallet via bank transfer or card. Send money to other Cirva users or withdraw to your bank account anytime. Every naira is accounted for.

Built for Trust

BVN verification for secure withdrawals
Biometric login (Face ID & fingerprint)
Encrypted data storage
Real-time notifications for every transaction
Group Chat
Coordinate with your group members right inside the app. No need to jump between WhatsApp and your savings app.

What's in it for you:

No more chasing people for contributions
No more Excel sheets or notebooks to track who paid
No more arguments about whose turn it is
Just simple, transparent, stress-free saving
Download Cirva and start building your financial future together.