In the other hand, if you have a private circle with people you know, Circlys App will help you to easily manage and organize it through the App.
And Circlys it self will then take action to legal prosecution who ever is not paying on other members cycles.
That promissory notes could lead someone to lawsuits if they drop off paying on other members in the circle.
Also, everyone will get notifications when it’s time to pay, you’ll have organized tables instead of the old traditional ones and you’ll have all needed information of others to make bank transfers like their full name, which bank, Account numbers.
Circlys App offers you the opportunity to join a public circles (Rosca) with well trusted people.