Save together, on schedule.
Zarpo runs the rotating savings pool your family already trusts as a modern app: verified members, a schedule everyone agrees to up front, and a Trust Score that grows with every on-time contribution.
Free to join. No credit check to sign up.
100M+
save this way worldwide
0%
of the pot. Zarpo never takes a cut
2–24
members per pool, one payout each
Hello, Alex
Save together, on schedule.
Trust Score
Very good
Wedding Fund
Round 7 of 10
$250 due in 3 days · Maria receives this round
Your pools
Emergency Fund
$100/mo
Founders Circle
$500/mo
You already know how this works
Every culture has a version of the savings circle.
More than 100 million people around the world already save this way: pooling contributions with people they trust and taking turns receiving the pot. Zarpo keeps the tradition and adds the safety net: verified members, reminders before every due date, and a Trust Score that follows you from pool to pool.
How it works
Three steps to your first pool.
STEP 1
Form a group
Create a pool with people you trust, or join one that is looking for a member. Everyone confirms their identity and adds a payment method before the pool starts.
STEP 2
Contribute monthly
Everyone puts in the same amount on the same schedule. Zarpo records every contribution, sends reminders before each due date, and keeps the score. No chasing people down, no spreadsheets.
STEP 3
Receive the pot
Each round, one member receives the full pot on a rotation everyone agreed to up front. Your position and your payout are visible from day one.
Features
Everything a group needs to save together.
Trust Score
A single number from 0 to 100, built from your contribution history. It tells the pools you join that you pay on time.
Round-by-round progress
See exactly which rounds are paid, which one is open now, and which are still to come, for every pool you are in.
Credit building, coming soon
We are working on reporting on-time contributions to the credit bureaus, so saving with your group can also build your credit history. Not live yet.
Verified members
Every member confirms their identity and adds a payment method before joining a pool. No anonymous strangers.
Ledger-tracked contributions
Every contribution and payout is recorded in your Zarpo ledger, with reminders before each due date. Automatic bank transfers are coming soon.
Pool chat
Every pool has a built-in chat for coordinating with the other members.
Trust & security
Built to earn the trust your group already has in each other.
Encrypted, end to end
Your account and identity details are encrypted in transit and at rest, and your password is never stored in plain text.
We never hold your money
In early access, every contribution and payout is recorded in a transparent ledger. Zarpo never takes custody of funds. Bank transfers through a licensed partner are coming soon.
One agreement for everyone
Every member accepts the same Pool Agreement, covering the contribution, the schedule, and the payout order, before a seat is theirs. Everyone is held to the same rules.
Transparent schedules
Contribution amounts, payout order, and dates are locked in before a pool starts and visible to every member, always.
Start saving with people you trust.
Join the waitlist and we’ll email you the moment Zarpo opens for your first pool.