Start a circle with people you trust, or join one that's already forming. Dovri collects the money, tracks the turns and shows everyone the same thing.
Free to start. All you need is a bank account.
Starting a circle and joining one is free. Always.
Pick a date and it comes out of your bank. Nobody has to be chased.
Everyone sees who has paid and whose turn is next.
Know exactly when your turn comes and what you'll receive.
Four people or ten. Twenty-five dollars a week or two thousand a month. The shape never changes — everyone puts in the same amount on the same day, one person takes the whole pot, and it goes round exactly once. Move the numbers and see what yours would look like.
Invite the people you want. Or open it up and let others join. Same circle either way.
Friends, family, coworkers, a church or community group. You create the circle, invite specific people, and the group agrees on the amount, the frequency and the turn order.
Somebody has already started a circle and left it open. Tell us the amount and timing you want and we'll tell you the moment a matching one is listed. Every member is identity-verified with a bank account linked before the circle starts.
Open circles start small and grow as people build a record. Either way, everyone confirms who they are and links a bank account before the first payment.
Susu, ajo, tanda, pardner — whatever your people call it, the shape is the same. Dovri keeps that shape and takes the admin and the awkward reminders out of it.
Pick the amount, how many people, and how often. Or just say what you want in a sentence and we'll set it up.
Pick the month you want, or draw for it when the circle fills. If your plans change you can move to any month that’s still free.
It comes out of your bank on the date your circle picked. Pay early if you'd rather. No card, and no need for a steady paycheck.
When your month comes, the pot is yours. Send it to your bank or put it straight to work.
In most circles one person collects, chases and keeps the record — and carries the blame when it goes wrong.
No screenshots, no side spreadsheet, no wondering who has paid and who hasn't.
Send a link, pick your month, and the payments run themselves from there.
You can contribute faithfully for a decade and have nothing to show that you're good for it.
Taking the first turn means receiving the whole pot after contributing once; taking the last means receiving it after contributing all year. In a circle of strangers that difference matters, so open circles start small and grow with the people in them.
Your first open circle is a small one. Complete it and larger circles open up. No deposit, no premium, no larger contribution for going first — every member pays the same amount every month whichever turn they draw. The only thing that changes is the size of circle you can join.
Private circles have no ceiling — people who chose each other set their own amount and their own turn order.
A mother setting up a family circle can give her daughter the first turn. People who chose each other get to order their own turns.
Turn order is drawn at random when the circle fills. After that you can pay to move into any month that’s still free.
Dovri Standing is your history on Dovri and nothing else. It isn't reported to credit bureaus and it doesn't affect your credit.
Nobody wants a rotating savings circle. They want the money when it's their turn — and your people help you get there, the same way you help them.
An emergency fund that finally exists
Toward the down payment
A semester of tuition, paid up front
The card balance, gone
Starting a circle, joining one and contributing to it are free. Dovri takes 2% when your turn pays out — $60 on a $3,000 pot, once, deducted from the payout. You never write us a check and there is nothing to cancel.
Money goes bank to bank through a licensed payments partner. Dovri keeps the schedule and the record — never the money.
Everyone confirms who they are before any money moves. Nobody joins a circle anonymously.
You connect through Plaid. We get permission to move the agreed amount on the agreed day, and nothing else.
Nobody in your circle handles anyone else's money. Payouts go from the collection account straight to whoever's turn it is.
We can only take what your circle agreed to, on the day it agreed to. You can stop it any time — though you'd still owe your circle, and would need to pay another way.
Every contribution, payout and fee is logged and visible to the whole circle. You can export it whenever you want.
Who can join. A private circle is invite-only and your group sets its own turn order. An open circle is one a member chose to list publicly — anyone verified can join it, and turn order is drawn at random. Dovri doesn't create either kind or decide who gets in; a member does.
We take the money a few days before payout day, so if something goes wrong there's time to fix it. If it still hasn't cleared, the whole circle sees it, that member's Standing drops, and they can't start or join another circle until it's settled. The payout goes out with what the circle collected. We don't advance the difference, and we say so plainly here rather than in the fine print — a promise we couldn't keep every time would be worth less than the truth.
Three ways. Circles start small, so a missed month is a small number. Funding is automatic, so staying on track takes no effort. And your record follows you — members who miss can't join anything else until they've settled, which is the same pressure a cash circle relies on, just written down.
No. Every member contributes the same amount every month, whichever turn they take. There's no deposit, no premium and no larger payment for going first. What changes is which turns are open to you, and that's set by your Dovri Standing.
Nothing required. Starting a circle, joining one and receiving your standard payout are all free. You pay extra only if you want your turn in minutes instead of a few days, or want to move it to an earlier month.
In a private circle, by your group — a mother can give her daughter the first turn if that's what the group wants. In an open circle, everyone draws at random when the circle fills.
Not for a private circle — you need a U.S. bank account and nothing else. Open circles ask for one of three things, because you're joining people who don't know you: a recurring direct deposit, ninety days of account history showing you've held the contribution amount, or one completed private circle. Any one of the three qualifies you, so gig work, self-employment and irregular pay all have a route in.
Contributions come from a bank account, not a card. Card processing would cost several times what a bank transfer does, and that cost would land on you in the end. A card can stand in as a backup if a scheduled payment fails.
No. Dovri is software that runs circles. The money moves through a licensed payments partner and their bank, never through a Dovri account.
Yes, any time, with us or with your bank — that's your right. It stops the payment, not the commitment. You'd still owe your circle, and would need to pay another way.
Before it starts, yes, at no cost. Once contributions begin you're committed — that commitment is what makes everyone else's turn work. If your situation changes, talk to us.
Money on its way belongs to the members, not to Dovri, and would be returned or paid out as your circle agreed. We'll publish exactly how that works before we take a dollar.
No. It's just your history here — payments made, circles finished — and it decides how big a circle you can join. It isn't sent to credit bureaus and doesn't touch your credit.
Move into any month that’s still free, for a fee. Months another member has already taken aren’t available.
Create your account, set the amount, and invite the people you'd already trust with it.
Free to start. All you need is a bank account.