Automated rotation engine
Payout order can be random (shuffled weekly), fixed by the admin, or goal-based. Everyone sees the queue.
Digital susu for Ghana
Save together. Grow together.
Cashly is the digital rotating susu platform that replaces human custody with software-driven trust. Create a circle, contribute with mobile money, and receive your lump-sum payout — automatically and transparently.
Available on Android & iOS · USSD support coming soon
GH₵ payouts, automated
Escrow-held funds
Ghana Card verified members
MTN · Telecel · AT Money
The process
How it works
Four simple steps from sign-up to payout — no treasurer, no spreadsheets, no guesswork.
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1
Sign up & verify
Register with your phone number, confirm the SMS code, and verify your identity with your Ghana Card.
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2
Create or join a circle
Start your own susu circle or join one with an invite link. Set the amount, frequency, and payout order.
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3
Contribute with mobile money
Approve each contribution right from your phone with MTN MoMo, Telecel Cash, or AT Money.
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4
Receive your lump-sum payout
When your turn comes, Cashly's rotation engine pays you out automatically. No treasurer, no disputes.
Why Cashly
Everything a susu circle needs
Built to feel as trustworthy as a treasurer you've known for years — with none of the risk.
Escrow-protected funds
Contributions are held with regulated financial partners — Cashly is a technology facilitator, not a cash custodian.
Trust scores
Every member builds a visible trust score from their payment record, so you always know who you're saving with.
Live circle tracking
See cycle progress, payout queues, next recipients, and payment history in real time.
Built-in circle chat
Coordinate with your circle members without leaving the app.
Smart reminders & notifications
Never miss a contribution date; get instant confirmations for every payment and payout.
Locked Savings
Lock a lump sum for a fixed term — 30, 90, or 180 days — and Cashly keeps it untouched until it matures, then releases it straight to you.
Two ways to save
Group circles
Individual circles
Group or individual — your circle, your rules
Whether you're saving with your people or just for yourself, Cashly keeps it fair and on schedule.
Save with family, friends, or colleagues
Set the contribution amount, frequency (daily, weekly, bi-weekly, or monthly), member count, and payout logic — then invite members with a link.
- Circle name
- Family Savings
- Members
- 10 members
- Payout logic
- Random
- Contribution
- GH₵ 100.00
- Payout
- GH₵ 1,000.00
- Frequency
- Daily
Saving solo? Stay disciplined
Set a goal, a target amount, and a schedule — Cashly keeps you disciplined until the date you need the money.
- Goal
- New Laptop
- Target
- GH₵ 10,000
- Contribution
- GH₵ 100 daily
Inside the app
A closer look
Real screens from the Cashly app.
Onboarding
Join a Circle
Circle Details
Join via Link
Join via Link
Circle Details
You're In
Real screens from the Cashly app.
Security & trust
Built on trust, backed by rules.
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Ghana Card identity verification for every account
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Funds held in escrow with regulated financial partners
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One account per person — no impersonation
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Missed-payment warnings and removal rules protect every circle
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Governed by the laws of the Republic of Ghana
USSD — coming soon
No smartphone? No problem.
Our engineers are working hard to bring Cashly to USSD, so anyone with a basic phone will be able to contribute and get paid out — no internet required.
Coming soon
What members say
Trusted by susu circles across Ghana
"No more chasing people for money or arguing about whose turn it is. Cashly just handles it."
Ama O.
"I saved for my shop's new fridge in four months with my individual circle. Seeing the progress bar kept me disciplined."
Kwame A.
"Running our office susu used to mean one person holding all the cash. Now everyone can see the queue and trust it."
Efua B.
Questions
Frequently asked questions
What is a susu circle?
A group savings arrangement where members contribute periodically and receive lump-sum payouts on a rotational basis.
Is my money safe?
Contributions are held in escrow with regulated financial partners. Cashly acts as a technology facilitator, not a financial custodian.
Who can use Cashly?
Anyone 18 or older with a valid Ghanaian phone number and Ghana Card.
How is the payout order decided?
Circle creators choose: random (system shuffles weekly), fixed slots assigned by the admin, or goal-based saving until a specified date.
What happens if someone misses a payment?
One missed payment results in a warning; two can result in removal from the circle. Trust scores reflect payment history.
Can I use Cashly without a smartphone?
Not yet — our engineers are working hard to bring Cashly to USSD, so anyone without a smartphone or internet access will be able to join in soon.
Start your first circle today.
Join the modern way to run your susu.