Member viewNo app required
Invites, reminders, and confirmations arrive in the channel members already use.
How it works
One circle.
Two ways in.
Members take part by text. Planners run each round in RAITON.
Planner viewRAITON app
The planner sees who has confirmed, who needs a reminder, and what happens next.
RAITON coordinates the record. Members still send money through the method their circle chooses.
The circle engine
From the first contribution to the next turn.
01 / 05 Agreement
Six people agree on one plan.
$200 a month, six rounds, and a payout order everyone can see before the first dollar moves.
02 / 05 Contribution
Everyone pays the way the circle always has.
Cash, bank transfer, or app: members choose the method. RAITON records each contribution against the member and the round.
03 / 05 Reminder
The planner stops chasing. RAITON sends the nudge.
Two members are still pending, so they get a text reminder. Nobody has to scroll a group chat to know where things stand.
04 / 05 Payout turn
Amara's turn, on the date everyone agreed to.
RAITON marks whose turn it is and records the payout once it is confirmed. The money moves between members, never through RAITON.
05 / 05 Rotation
Next round, the turn moves to Kofi.
The record carries forward intact. Six rounds, six payouts, and a history every member can return to.
Lines are records reaching the shared ledger. Money moves between members, never through RAITON. Illustrative example.
Built around the group
People bring the trust. RAITON keeps the plan visible.
Whether the agreement starts around a living-room table or in a busy group chat, every member can return to the same schedule, status, and round record.
Explore circle use cases
Common questions
Straight answers before you start.
Still wondering about something? Write to hello@raiton.co.
Does RAITON hold or move our money?
No. Members send contributions and payouts through the method their circle already uses. RAITON keeps the plan, the status of each contribution, reminders, and the shared record.
Does every member need the app?
No. The planner runs the circle in the RAITON app. Members join and take part by text message, so nobody has to download anything to be included.
What happens when someone pays late?
Their contribution stays marked pending for that round, and RAITON can send them a text reminder. How the circle handles a late or missed payment is still the circle's own rule; RAITON keeps it visible.
Is it only for one kind of circle?
No. Njangi, susu, tanda, chit, hui, paluwagan, and many other traditions share the same idea: members contribute on a schedule and take turns receiving the pot. RAITON gives any of them one shared plan and record.
When can I use it?
RAITON is in early access while the planner app heads to the App Store. Join the early-access list and we will reach out when your circle can start.
A clear boundary
RAITON records the circle.
It never holds the money.
Members send funds through the method their circle chooses. RAITON coordinates the plan, status, reminders, and shared record.
Read the trust model