Private beta · launching soon on iOS and Android

Save with friends.
Build credit together.

CoSeed digitises the rotating savings circles millions of people already use around the world. Version one is private — pool money with the friends you trust. Public pods and credit-bureau reporting are next.

We email you once — when CoSeed opens to you. No spam, ever.
Apartment Fund
Active · Round 3 of 4
M
Maya
Round 1 · paid
$1,200Received
A
Andre
Round 2 · paid
$1,200Received
Y
You
Round 3 · this month
$1,200Your turn ★
J
Jordan
Round 4 · upcoming
$1,200Waiting
$300
Per month
4
Friends
$1.2k
Your payout
Built with
PL
Plaid
DW
Dwolla ACH
FB
Firebase Auth
GCP
Google Cloud
256
AES-encrypted PII
The problem

A score you don't have is a door that won't open.

Millions of people manage money carefully every day — rent, groceries, sending help to family — and have nothing on a credit report to show for it. The result: higher rates on everything, or no loan at all.

Millions
of Americans have no usable credit score today.
No credit history means lenders treat steady payers and unknowns the same.
Rent, utilities, and informal lending rarely show up on a traditional credit report.
"Credit builder" cards and loans charge fees to prove what your bank statement already shows.
Millions
already save this way through informal community circles worldwide.
Called ROSCAs, tandas, susus, hui, ekub, kameti, chit funds — same idea, different names.
They work because everyone in the circle trusts each other.
None of those payments ever count toward your credit score. Until now.
The concept

A time-tested way to save —
with a modern receipt.

A rotating savings circle is simple: a few people agree to chip in the same amount each month. Each month, one person takes the whole pot. After everyone has had a turn, the circle ends — or starts again.

1
Form a Pod
A small group of people who agree on a contribution amount, a schedule, and the rotation order. We call it a Pod.
2
Everyone contributes
Each cycle, every member's bank is auto-debited for the same amount. No chasing anyone for cash.
3
One member gets the pot
The whole month's contributions go to one person — for a deposit, a flight home, school fees, or just savings. Then it rotates.
4
Every on-time payment is a receipt
CoSeed records every contribution. Once credit-bureau reporting launches, those receipts become the credit history you've been waiting for.
A 4-friend pod in action
This month
$1,200
to Maya
M
A
Y
J
4 friends, $300/mo each.
Maya takes the $1,200 pot this month. Next month → Andre.
After 4 months, everyone has had a turn.
How CoSeed v1 works

Pool money with friends, end-to-end in the app.

Version one keeps it simple and private: invite-only pods, friends you already trust, automatic contributions, and a clear payout schedule.

1

Create a pod

Pick the contribution amount, the schedule, and how many friends you'll invite. CoSeed runs the math.

2

Invite friends

Send invites by username, phone, or share link. Members link their bank securely with Plaid.

3

Auto-pull contributions

Every cycle, everyone's contribution is pulled automatically. No reminders, no awkward asks.

4

Get your payout

When it's your turn, the full pot lands in your account 5 days after the pull clears. Then it rotates.

The roadmap

Where CoSeed is going.

We're starting small on purpose. Friends-only pods first — trust is the foundation. Public pods and credit reporting follow once the rails are battle-tested.

Available now · v1

Pool money with friends.

Closed, invite-only pods. You decide who's in, how much, and how often. Everything else CoSeed handles.

Create private pods, invite only the people you trust
Bank-linked contributions and payouts
Automatic schedule and built-in chat
Pre-pull liquidity checks so no one is caught off guard

Public pods + credit reporting.

Save with vetted strangers when your friend group is too small — and start converting every on-time payment into real credit.

Browse public pods you qualify for by Trust Score
On-time pod payments reported to Equifax, TransUnion, Experian
Member ratings and built-in default protection
Later

Gifts, Chit auctions, more.

Pool together for one person at once (Gift pods), and run premium auction-style pods (Chit pods) for members who want flexibility.

Gift pods — pool toward one named recipient
Chit pods — bid on early access to the pot
Express transfers, badges, milestones
Safety

Bank-grade by default.

Money moves through regulated rails. Your data is encrypted on every hop and never resold.

Plaid-secured bank links

You authorise Plaid to verify your account — CoSeed never sees or stores your bank password.

Encrypted PII at rest

Sensitive personal info is encrypted with AES-128 + HMAC-SHA-256 before it ever hits our database.

Tamper-evident audit log

Every account, money, and admin action is recorded in a hash-chained ledger that can't be silently edited.

FAQ

Quick answers.

We're in closed beta on TestFlight now. Public launch on iOS and Android is rolling out in waves to people on the waitlist. Join above and you'll be notified the moment your invite is ready.
Version one is friends-only — every pod is private and invite-only. You decide who's in and how much. Public pods (save with vetted strangers) are coming once we've finished battle-testing the rails.
The core friends-only pod is free during beta. Optional add-ons (credit-bureau reporting subscriptions, Chit pods, express payouts) carry a small fee — you only pay if you opt in.
When the feature ships, you'll opt in to a tier (Basic / Standard / Premium) and CoSeed reports every on-time pod payment to one or more bureaus through a licensed aggregator. Your good behaviour starts showing up on your credit file. It's launching after the v1 friends-only release.
Funds move through regulated ACH rails — the same network your bank uses. Your bank login never touches CoSeed (Plaid handles it). Sensitive info is encrypted at rest. Every privileged action is recorded in an audit log we can't quietly edit.
We auto-check every member's balance two days before each pull and notify anyone who needs to top up. If a contribution still fails, the admin can grant a grace period, vote with the group, or close the pod cleanly. Because v1 is friends-only, you're choosing who you'd trust to do this anyway.
Get early access

Be first when CoSeed opens to you.

Drop your email and we'll send your invite the moment your spot opens up.

We email you once — when CoSeed opens to you. No spam, ever.