Rotational, Now with Rules That Cannot Be Broken.
Everyone contributes each round, and one member collects the full pool. Collection order is decided by a live, public wheel draw — never hand-picked by an individual.
Start a Turn-by-Turn GroupActive group
Alaba Traders Circle
4
of 10
Round
Round 4 of 10
Live pool balance
₦200,000
Next verified payout
Friday, 14 August — 10:00 WAT
Multi-signature approved · escrow verified
What it is
What is Turn-by-Turn Contribution?
Turn-by-Turn Contribution is traditional rotating savings, digitised for absolute trust and automation.
Fixed Contributions
Every member pays an agreed fixed amount per round.
Lump-Sum Payouts
One member collects the full pool each round until every participant has received their payout.
Flexible Group Sizes
Support for 3 to 52 members per group (Group Admin-configurable).
Weekly or Monthly Cadences
Run fast-turnover weekly cycles or structured monthly circles.
💡 Worked example
10 members contribute ₦20,000 each per round = ₦200,000 total pool per round across 10 complete rounds.
How it works
The 7-step journey.
- 1Create Group
Organiser Creates Group
Set the group name, payout cadence (weekly/monthly), contribution amount, member capacity, and start date.
- 2KYC Check
Organiser KYC Gate
The group organiser completes Tier-2 KYC (BVN/NIN verification) before the dedicated group deposit account is issued and recruitment opens.
- 3Invite Members
Members Join Easily
Share a custom link or search and invite existing MamaSave members directly.
- 4Wheel Draw
Public Wheel Draw
Once the group fills up, a live interactive Wheel Draw assigns everyone's collection position publicly.
- 5Pay Round
Round Contributions
Members fund their positions via their preferred payment channels; the total pool is verified automatically.
- 6Multi-Sig
Multi-Signature Payout Release
The round's collected pool is approved and disbursed to the scheduled member.
- 7Cycle Done
Full Completion
The cycle wraps up smoothly after every single member has taken their turn.
Live wheel draw
Zero-favouritism order selection.
Unlike traditional contribution where the organiser hand-picks who receives money first, MamaSave uses an unbiased Live Wheel Draw to determine payout positions.
Live Public Animation
A countdown leads into a live wheel spin visible to every member in real time.
Recorded Audit Log
Payout positions are revealed sequentially and saved directly to the group's permanent audit log.
No Organiser Interference
Nobody — not even the group creator — can manipulate or choose the draw results.
Early-Slot Protection (Positions 1–3)
To prevent members from taking early payouts and defaulting on later rounds, collection positions 1 through 3 are protected by verification gates. Members can unlock early slots through one of the following:
Savings History
Completion of at least one clean MamaSave savings cycle.
Security Deposit
A 20% refundable security deposit held in escrow.
Guarantor
Verification by an established MamaSave member guarantor.
Trust & safety
Built for absolute peace of mind.
Dedicated Bank Escrow
Contributions are deposited into a dedicated group escrow account — never into an organiser's personal bank account.
Multi-Signature Payouts
Payouts require approval from 3 signers: the organiser plus 2 randomly rotated group members per round.
Transparent Group Ledger
Real-time visibility into every deposit, payout, and transaction status across all members.
Emergency Member Voting
If unexpected events occur, members can trigger a majority vote (>50%) to decide if a member's turn should be moved forward (e.g. tail-end round extensions).
Audited Dissolution Rules
Structured exit rules and automated balance settlements ensure fair treatment if a group needs to close early.
Legal Governance
Operated by MamaSave Eliozu Multipurpose Co-operative Society Limited (MamaSave Cooperative Ltd), with technology and payment gateways powered by Pearl Systems Ltd.
Payment options
Flexible payment options.
Fund your turn-by-turn position using any of our seamless payment options.
MamaSave Wallet
Instant internal transfers with zero processing fees.
Direct Bank Transfer
Instant deposit into your group's dedicated virtual bank account.
USSD Tap-to-Dial
Pay quickly using shortcodes on any mobile device.
Card Payments
Fast processing via secure Paystack integration.
HelpMePay Links
Share a payment link to let family, friends, or customers fund your contribution.
Fees
Simple & transparent platform fees.
MamaSave charges a small platform fee only on successful payout collections, with zero hidden maintenance charges or sign-up costs.
Platform Fee
1% per payout (capped at ₦5,000 per cycle payout).
No Join Fees
Joining or browsing Turn-by-Turn circles is 100% free.
| Gross Group Pool | ₦200,000 |
| Platform Fee (1% capped) | −₦2,000 |
| Net Amount Deposited to Member | ₦198,000 |
Who it's for
Designed for every community.
Market Associations & Trade Groups
Pool daily or weekly business revenues securely for inventory restocks.
Office & Staff Circles
Organise monthly salary contribution clubs without manual accounting overhead.
Family & Church Groups
Raise collective funds for major events, equipment, or community development.
Friends & Savings Squads
Work together toward shared financial targets like rent, tuition, or bulk purchases.
The difference
Turn-by-Turn vs. informal Esusu.
The same familiar rotation — with custody, order selection and record keeping taken out of any one person's hands.
| Feature | Informal Esusu | MamaSave Turn-by-Turn |
|---|---|---|
| Order Selection | ✕ Organiser's personal discretion | Public, live wheel draw |
| Money Custody | ✕ Kept in organiser's personal account | CBN-backed dedicated escrow account |
| Payout Authorization | ✕ Single person decides when to send funds | Multi-signature (organiser + 2 rotated members) |
| Record Keeping | ✕ Manual paper notebook or memory | Automated digital ledger & downloadable receipts |
| Handling Missed Payments | ✕ Uncontrolled arguments and loss of funds | 24-hour grace periods, guarantors & security gates |
| Legal Protection | ✕ None (informal agreement) | Registered financial cooperative & audited tech rails |
FAQ
Frequently asked questions.
Start Your Turn-by-Turn Group in Minutes.
Bring your new or existing contribution circle online with total transparency, escrow protection, and zero paperwork.
MamaSave: No Stories, Just Savings