Community Savings, Reimagined

Global saving clubs in USD, GBP, EUR.

Save together in stable currencies — across any border. One wallet for your community, your remittances, and your future.

Get the App →See the Problem We Solve
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18+ African corridors · Global coverage
The Problem

The system takes more
than you think.

Hidden fees, slow rails, and broken tools cost global communities billions every year.

01

The Shrinking Paycheck

You earn in a strong currency — dollars, pounds, euros. But by the time it's converted, stored, and sent, it's worth less. Your local currency depreciates 10–30% a year. Your bank buries another 3–5% in exchange-rate markup. Premium foreign-currency accounts that could protect you demand $1,000+ minimums and mountains of paperwork. The people who need stable savings most are locked out first.

$1,000+Lost per year to depreciation and hidden markups on a typical diaspora income
02

The 3-Day Wait

Your family needs money now. The system says wait. SWIFT transfers take 3–5 business days, charge $15–$45 in intermediary fees, and give you zero visibility on when funds actually land. Emergencies go unfunded. School fees get paid late. Your money sits in a banking queue somewhere between two countries — and every day it sits there, you pay for the privilege.

3–5 daysAverage cross-border bank transfer, plus $15–$45 in intermediary fees
03

The Manual Ledger

Stokvels, tandas, esusu, chamas, chit funds — rotating savings clubs power communities on every continent. But the records live in a group chats. Balances are tracked in a spreadsheet someone might lose. Governance is informal. And when a dispute happens — over a missed payment, a late payout, a balance that doesn't add up — trust is the only infrastructure, and it's not enough.

5+ toolsThe average community juggles for basic group savings — none of them designed for it

It doesn't have to work this way.

Savings Traditions, Reimagined

Your tradition is our
technology

Community savings isn't a trend — it's a practice that predates modern banking by centuries. Billions of people worldwide trust their communities over institutions. We built CitizenWealth to honour that, not replace it.

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Stokvels
South Africa
11.4M members · R50B+ saved annually
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Chamas
Kenya & East Africa
300K+ groups · $4B in assets
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Esusu / Ajo
Nigeria & West Africa
Deep cultural roots across 200M+ population
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Paluwagan
Philippines
Millions in rotating savings groups
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Tontines
Francophone Africa
Primary savings method in West & Central Africa
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Partner
Jamaica & Caribbean
Cornerstone of Caribbean community finance
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Chit Funds
India
$5B+ industry · 30M+ participants
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Hagbad
Somalia & East Africa
Vital savings system across the Somali diaspora
Their Pain Points → Our Solutions
⚠ Pain Point
“Our group saves in local currency — it loses value every month. Our R100K stokvel is now worth R78K.”
✦ CitizenWealth Solution
Save your group's funds in USD, GBP, or EUR. Your contributions hold their value regardless of local currency swings. Convert only when you need to spend locally.
⚠ Pain Point
“Members who moved abroad can't contribute — they're locked out of our savings circle.”
✦ CitizenWealth Solution
Diaspora inclusion from day one. Members in London, New York, Dubai, or Toronto contribute directly to the same group account. No borders, no exclusion.
⚠ Pain Point
“We track contributions on spreadsheets and WhatsApp. It causes arguments and trust issues.”
✦ CitizenWealth Solution
Real-time transparent dashboard. Every member sees the balance, who paid, when, how much. Automated contribution tracking eliminates disputes and builds trust.
⚠ Pain Point
“Sending payouts to members in other countries costs a fortune — $40+ per transfer through Western Union.”
✦ CitizenWealth Solution
Low-cost cross-border transfers with transparent fees. Send $500 for ~$10 (not $42). GBP arrives instantly, EUR same day, USD in 1–3 days. Cash out to M-Pesa, MTN, or local bank.

Same traditions. Global reach.
Stable currencies.

Whether you call it a stokvel, tanda, chama, esusu, hagbad, paluwagan, tontine, or partner — CitizenWealth gives your savings circle the global infrastructure it deserves.

Start Your Digital Savings Circle →
Who It's For

Built for communities that
refuse to be separated

Three audiences. Three pain points. One platform that connects community savings with global currencies — a unique global offering.

01
$40
lost per transfer
Diaspora Families
For families separated by distance, not by choice
You send money home monthly — losing $40 to fees. Your family saves in depreciating local currency. You can't join the savings club you grew up with. CitizenWealth reunites your family financially.
Start Your Family Club →
02
8%
eaten by fees annually
Global Freelancers & Nomads
For citizens of the world who refuse to be locked down
You earn in USD but live everywhere. Fees eat your income. You can't save with your global community. CitizenWealth gives you transparent operations, responsive support, and group savings in stable currencies.
Get Your Global Account →
03
$6B
community savings economy
Savings Clubs & Community Groups
For savings clubs ready to go borderless
Your community saves together — but in depreciating currency. Abroad members can't join. Cash and spreadsheets are risky. CitizenWealth digitises your tradition and takes it global.
Upgrade Your Club →
Global Currency Access

Your savings in currencies
that hold their value

Local currencies across Africa, Latin America, and Asia have lost 30-70% of their value in the last 5 years. Your community's savings shouldn't shrink while you sleep. CitizenWealth gives every member access to the world's most stable currencies.

Your wallet holds multiple currencies — USD, GBP, and EUR — all in one place. Fund via bank transfer. Cash out to local currency anytime.

Today's Reality
  • × Savings erode against the dollar year after year
  • × Banks take 3–5% on every conversion
  • × Transfers take days with hidden intermediary fees
  • × Savings group records live in a WhatsApp chat
  • × Foreign-currency accounts need paperwork and approvals
  • × Five apps to do what one should
VS
With CitizenWealth
  • ✓ Hold USD, GBP, and EUR in one wallet
  • ✓ From 0.60% total fees on major corridors
  • ✓ Settlement from instant to 3 days (depending on rail)
  • ✓ Transparent ledger with multi-admin governance
  • ✓ Low minimums, simple KYC, no hidden paperwork
  • ✓ Wallets, transfers, and savings clubs — one app
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USD
US Dollar
The world's reserve currency. Save in USD and your R100K today is still worth R100K equivalent tomorrow — not R78K after local currency depreciation.
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GBP
British Pound
Ideal for UK diaspora communities. Earn in pounds, save in pounds, send home in pounds — then convert only when your family needs local currency.
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EUR
Euro
Europe's 350M+ population currency. Perfect for communities spanning African and European countries with existing EUR trade corridors.
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Global
Multi-Currency Wallet
Hold USD, EUR, and GBP in one wallet. Instant settlement, 24/7 availability, no banking hours. Convert to M-Pesa, MTN Mobile Money, or any local rail.
How It Works

Four steps to
borderless savings

Verify your identity, open your wallet, start saving, and send money anywhere — all in minutes.

01
Verify Your Identity
Quick, secure identity verification so you can start using CitizenWealth with confidence. Takes under 2 minutes.
Under 2 minutesBank-grade security
What You Need
A valid ID document (passport, national ID, or driver’s licence) and a quick selfie to confirm it’s you.
Why It Matters
Verification keeps your funds safe and ensures compliance with international financial regulations — protecting you and your community.
Outcome: You’re verified and ready to open your wallet — your funds are protected from day one.
02
Open Your Wallet
Create your multi-currency wallet in minutes. Choose your currency, receive a virtual bank account, and fund it from any bank worldwide.
USD · EUR · GBPNo minimum balance
What You Get
A spend wallet, a rewards-earning savings wallet, and virtual bank accounts (ACH, SEPA, UK) to receive transfers.
How You Fund It
Bank transfer, mobile money, or crypto deposit — pick whatever suits your corridor and convert instantly.
Outcome: You hold stable, dollar-denominated value that is ready to save, send, or grow — from day one.
03
Save Solo or Together
Earn rewards on individual savings, or start a savings club where members from London, Lagos, or Manila contribute into one transparent pool with automated tracking.
Earn rewards on savingsAuto-pay contributionsReal-time ledger
Individual Savings
Move funds to your savings wallet and earn daily rewards — up to 2% individual rewards / 3% with a club. No lock-ups, no minimum, withdraw any time.
Savings Clubs
Create a group with contribution rules, automated reminders, and shared visibility — no spreadsheet disputes. Set up auto-pay to contribute automatically on schedule.
Outcome: Your money grows whether you save alone or with your community — with full transparency either way.
04
Move Money Anywhere
Send cross-border payouts at low, transparent fees, cash out to bank accounts or mobile money (M-Pesa, MTN), or transfer between wallets instantly.
Fees from 0.60% (Pro)Bank + mobile money cashoutInstant wallet transfers
How Cashout Works
Withdraw to a local bank account, send to another wallet, or off-ramp to crypto — track every step in-app.
Real-Life Impact
Send $500 for under $5 instead of losing ~$40 to legacy remittance rails.
Outcome: More value reaches families faster, so your savings actually convert into life goals.
The White Space

Where others
stopped building

Individual USD accounts exist. Local savings club tools exist. Remittance platforms exist. But nobody combines community savings + global currencies + cross-border transfers into one platform.

FeatureWiseGreyChipperStokFellaCitizenWealth
Community Savings✕✕✕✓ Local only✓ Multi-currency
Multi-Currency Accounts✓ 50+✓ USD/GBP/EUR✓ 9✕✓ USD/GBP/EUR
Multi-Currency Wallet✕✕✓ Limited✕✓ USD/GBP/EUR
Send FROM Africa✓ SA only✓✓✕✓
Mobile Money (M-Pesa / MTN)✕Limited✓Limited✓ Priority
AI Wealth Assistant✕✕✕✕✓ Pro
SupportNo public SLA~3-4 hours2.3/5 ratedGoodAI 24/7 + email
Radical TransparencyMediumLowLowHigh (local)✓ High
Trust & Transparency

Built on radical
transparency

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Fund Segregation
Your money is held in segregated accounts with institutional custody, never mixed with operational funds. Regular transparency reports on fund holdings and operational health.
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Regulated Custody
Institutional-grade custody infrastructure. On-chain auditable reserves. Your funds are held to the same standards as regulated financial institutions.
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Responsive Support
Get help when you need it — AI-powered assistant for instant answers plus email support for complex issues. Proactive status updates on every transfer.
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Real-Time Visibility
Every member sees the group balance, contribution history, and payout schedule. Full transparency builds trust — no “trust me” spreadsheets.
Join the Movement

Your money. Your world.
Limitless.

Save together, move freely, and build wealth — globally. Download the app and start your journey today.

Download the App →