Eight friends.
One pot.
Your turn comes.
Everyone puts in 500 NIM a week. Every week one person takes the whole pot — and everyone gets a turn. It is the savings circle your family already runs, except the turns are kept for you and every payment is proved on the Nimiq chain.
Kolo runs inside Nimiq Pay. Open this link in the app to connect your wallet.
No email, no password, no seed phrase. One signature and you are in.
- ◇
Nobody holds the pot
Money goes wallet to wallet. Kolo has no address of its own — there is nothing for it to run off with.
- ✓
Proved on the chain
A payment only counts once Kolo finds the matching transaction on Nimiq. Never on your word for it.
- ⟡
Nothing to sign up for
No email, no password, no seed phrase. Your wallet is your account, and one signature gets you in.
Open to join
No open circles right now. A circle only needs three people — start one and send the link to two friends.
- 1
Start or join a circle
Pick the amount, the rhythm and how many people. Share the link — it starts by itself when the last seat fills.
- 2
Pay your round
One tap sends NIM straight to whoever collects this round, with a memo attached to the transaction.
- 3
The chain proves it
Kolo reads Nimiq and only marks you paid when it finds that exact payment. Everyone sees the same scoreboard.
- 4
Your turn arrives
The whole pot lands in your wallet. Nobody held it in between, because nobody could.
Why this had to be built on Nimiq
A savings circle is dozens of small, repeating payments. Anywhere else the fees eat them. NIM transfers cost effectively nothing and settle in about a second — and the memo field turns every one of them into a receipt anybody in the circle can check for themselves.