About Us - Cirkly

Our Story

We live in a world where money shapes everything. It affects our families, our education, our future, our memories, joys, and even our mental health.

Meanwhile, life is becoming more expensive. Expectations are rising. And more and more people are relying on credit...

But not everyone has that privilege. In Europe, 16% of people are financially excluded because credit is often either inaccessible or painfully expensive. As a result, over 40 million people—especially immigrants and young adults—turn to informal lending, exposing themselves to high fraud risks.

We've lived this reality ourselves, and we decided to make a change.

That's why we founded Cirkly in 2024.

Our Mission

Cirkly exists at the intersection of finance, technology, and community — where saving becomes collective, trust replaces risk, and the economy is shared.

Today, more than 4 million immigrants in Europe rely on informal offline saving and lending groups (known as ROSCA). These groups work, but they remain invisible to banks, exposed to high fraud risk, and difficult to adapt to everyone's needs.

We're on a mission to digitalize these ROSCA groups, making them safe, transparent, and more accessible. This is the first step toward our bigger vision:

A world where everyone has secure, fair, and sustainable access to financing.