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HomeFinancial servicesCase study · P-102
Financial services · Community savings

R.O.S.C.A — community savings circles.

A community-savings platform where users create circles, organise fundraising events and communicate — helping friends, families and organisations collect funds for events, causes or emergencies.

Selected clients · 2010 – today
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/01
The problem

The challenge.

Rotating savings and credit associations (ROSCAs) ran on paper notebooks or messaging groups — slow and error-prone.

Trust was central — circles only worked when every member trusted the rotation and payments.

The client wanted a platform that digitised ROSCA mechanics while keeping the social core.

/02
The plan

Our approach.

Built a React Native app where organisers create circles, set contribution rules and invite members.

Integrated Stripe for contributions and automated payouts based on rotation rules.

Added chat, events and updates so circle life happened in-app.

Shipped full transparency — every contribution and payout is visible to all members.

/03
The result

The outcome.

Circles run transparently and on schedule.

Disputes dropped because payment history is visible to all members.

Communities ran fundraising and emergency support drives without leaving the app.

Engineering stack

What it was built with.

The exact tools in the delivered system. We pick the stack to fit the problem and the team — not the trend cycle.

/01React Native
/02Node.js
/03PostgreSQL
/04Stripe
/05Firebase
Trusted by our clients

What partners
tell us.

Most clients renew for a second engagement. The ones who don't usually hire someone from our team to run the project in-house.

We are a mental health charity and not tech minded. We needed to improve our patient registration system but wanted a company that we can relate to. Hassan took the time to meet with me and patiently went through our process to find a personalised solution for us. Hassan's team did a great job streamlining our process and connected our registration system to our patient management software. Whenever we have a glitch, they resolve this quickly. Cloudini provides a personal and efficient service and we have adopted them to be our IT provider.
Tien Kuei, CEO at Power to Live Foundation
Tien Kuei
CEO · Power to Live Foundation
I am writing to wholeheartedly recommend Cloudini as a premier bespoke software development agency. Our journey with them has been nothing short of exemplary, far exceeding our initial expectations. While many agencies can develop based on strict specifications, Cloudini demonstrated an incredible commitment to our project that was truly unparalleled.
Robert McPherson, Managing Director at RBM Global Ltd
Robert McPherson
Managing Director · RBM Global Ltd
Dragonfly has been working with the team at Cloudini for several years now on building out our web-based platform and APIs. One of their strengths is quickly building out a multi-disciplinary team to work on the development and delivery of features with different technical requirements. Their support has allowed us to accelerate our development work without building an internal team. They have also worked seamlessly with other third parties both during the acquisition of Dragonfly and development of our mobile app. Cloudini has been instrumental in bringing our ideas to life and providing guidance to help us make the best technical decisions. I would recommend getting in touch with them if you're looking for support.
Rebecca Palser, COO at Dragonfly
Rebecca Palser
COO · Dragonfly
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