MegaSave

MegaSave — Digital Ajo, Esusu & Thrift, Without a Per-Member SaaS Bill

Savings circles, rotation payouts, an append-only ledger, and SMS notifications — self-hosted, one licence, unlimited members.

MegaSave brings the rotating-savings-circle tradition — known as ajo, esusu, susu, or thrift depending on region — onto WordPress you already control. Cooperative-management platforms in this space typically bill per member, per month, forever. MegaSave is a one-time licence regardless of how many circles or members you run.

🔄 Built for How Rotating Savings Actually Work

• Configurable contribution amount, frequency, and rotation order — fixed sequence or a randomized draw
• The Wheel — a live rotation dial showing exactly whose turn is next, no spreadsheet needed
• Default and grace-period tracking with daily SMS warnings for members falling behind

📒 A Ledger Members Can Actually Trust

• Every contribution and payout is recorded on an append-only ledger — a correction happens via a visible reversal entry, never a silent edit
• This is the same design principle serious accounting systems use: trust comes from the group being able to see the full history, not just the current balance

💳 Real Payments or Manual Recording, Your Choice

• Paystack, Flutterwave, and Stripe — real gateway integrations with inbound webhook verification, not just a redirect-and-hope
• Manual/cash recording lets an admin log contributions collected offline — no gateway required to run a circle at all
• SMS notifications on contributions and payouts via a pluggable gateway filter, so any local SMS provider can be wired in

Honest About What This Is

MegaSave is a rotation/ledger tool for member-funded thrift groups — not an investment product. Payouts are only ever disbursed from contributions members have actually made; there is no yield, interest, or return promised or paid.

Included in This Package

• megasave.zip — full plugin (Plugins → Add New → Upload)
• Free updates while your support period is active

Who Is This For?

• Cooperatives, faith groups, and workplace savings circles wanting a transparent digital record instead of a WhatsApp group and a spreadsheet
• Community organizers running multiple thrift circles who don't want a per-member SaaS bill scaling with every new member they sign up