Jangi

Overview

Jangi is Victoi's product for saving, borrowing, and pooling money among people who trust each other. It is a digital home for the rotating-savings practice that families and communities have run for generations all over the world — the same idea shows up under dozens of local names on every continent, including susu, tontine, chama, ajo, esusu, hui, cundina, pardner, kameti, gam'eyya, and many more.

Jangi is a Victoi product available everywhere Victoi serves users — not a region-specific feature. The practice has many local names; Victoi runs the same product, with the same rules, on every continent. Jangi is not tied to any country or region.

A Jangi is a small group where everyone contributes regularly and each member takes a turn receiving the full pot. Victoi adds the parts that have always been hard to get right by hand: automatic collection, automatic payout, a transparent treasury, and clear rules everyone agrees to upfront.

Key features

Circles

• Group savings. A circle has a fixed contribution amount and cadence — weekly, bi-weekly, or monthly — agreed by the group when it is created.
• Configurable payout order. Members receive the full pot in an order the group chooses: random, sequential, or by group vote.
• Automatic collection. Each cycle, contributions are drawn from members' Victoi wallets on the agreed date — no chasing, no spreadsheet.
• Automatic payout. When it is a member's turn, the full pot lands in their wallet on the agreed date.
• Full visibility. Every member sees the schedule, the contributions, the payouts, and the position of every other member at any time.

Treasury

• Every Jangi has a treasury. Beyond the rotating pot, a Jangi can hold a shared treasury — capital that the group decides what to do with.
• Internal borrowing. Members can borrow from the treasury under rules the group sets — amount limits, interest rate, and repayment schedule are all configurable.
• Transparent ledger. Loans, repayments, and the treasury balance are visible to every member. There is no hidden book.

Fundraise

• Pool for a specific purpose. Run a fundraiser inside a Jangi — for a wedding, a funeral, a medical bill, a launch, an emergency — with admin controls over who can contribute and how the funds are released.
• Goal and progress tracking. A fundraiser has a target, a deadline, and a live progress bar.
• Admin controls. Organisers can pin updates, message contributors, and decide on a single-payout or staged release.

How it works

1. Create or join. An admin sets up a Jangi: name, contribution amount, cadence, member list, payout order, and whether a treasury is enabled. Members join via invitation.
2. Agree the rules. Every member sees the terms on screen before joining — amount, cadence, payout order, treasury policy, late-payment rule — and confirms.
3. Run cycle after cycle. On each contribution date, Victoi collects from each member's wallet automatically and adds it to the pot.
4. Payout. On the agreed date, the cycle's recipient gets the full pot in their wallet.
5. Borrow or fundraise (optional). Members can borrow from the treasury under the agreed terms, or organisers can start a fundraiser inside the group.
6. Close out. When every member has received a turn, the cycle ends. The group can renew with the same or revised terms.

Use cases

• Eight friends form a monthly Jangi of $200 each. Every month one member receives the full $1,600. After eight months everyone has been paid out once.
• An extended family runs a weekly Jangi to cover a relative's tuition; the treasury holds a small reserve so contributions never miss a beat if one member is briefly short.
• A diaspora group runs a Jangi to fund a community project back home, with the treasury releasing the pot in two stages tied to project milestones.
• A workplace circle uses Jangi for end-of-year travel — members contribute monthly, the payout falls in December, and a fundraiser inside the group covers a leaver's send-off.
• A close-knit group uses the treasury feature for short-term borrowing — a member takes a small loan at the group-set rate when they are between paydays and repays on the agreed schedule.

FAQ

What is a Jangi? A digital savings circle. Members contribute the same amount on the same cadence, and each member takes a turn receiving the full pot. Globally the practice has many names — susu, tontine, chama, ajo, esusu, hui, cundina, pardner, kameti, gam'eyya — and Jangi is the same idea, run as one global Victoi product available everywhere Victoi serves users. Victoi automates the parts that are hard to run by hand.

Who decides the payout order? The group, at setup. Three options are supported: random, sequential, or by group vote. Whatever is chosen, every member sees the order before joining.

What if a member misses a contribution? The contribution rule is set when the Jangi is created and visible to all members. Options include drawing from the treasury to cover the missed contribution, deferring it to a later cycle, or removal from the group under the agreed rules.

What is the treasury for? Anything the group decides — a reserve, a loan book, a fundraiser. The treasury sits beside the rotating pot and is governed by rules every member sees.

Can I borrow from a Jangi? Yes, if the group enables the treasury and you meet the rules the group set — limit, interest rate, repayment schedule. Every loan is visible to the group.

Can I leave a Jangi early? Each Jangi sets its own exit rule. The default is that a member can only leave once they have received their turn or the group's leave conditions are met. The rule is shown upfront.

Is a Jangi safe? Contributions, payouts, loans, and balances are recorded transparently and run automatically from wallets that members already control. The mechanics are not new — Victoi just makes them automatic and visible.

Related products

• Money. Contributions are drawn from, and payouts land in, the Victoi wallet.
• Messager. Every Jangi has a chat thread for the members; updates and votes happen where the group already talks.
• Fundraise (inside Messager). A group chat that isn't a full Jangi can still run a fundraiser — same mechanics, simpler setup.
• Viki. Ask Viki for the next contribution date, your standing in the cycle, or how much is in a treasury.