The traditional Merry-Go-Round you know and trust — now fully digital. Join or create a round, contribute on schedule, and receive your payout with interest earned along the way. A savings challenge that builds together.
Zedek gives you two ways to participate in a Merry-Go-Round, whether you want to meet new savers or keep it within your trusted circle.
Open to anyone on Zedek. Browse active rounds by contribution amount and frequency, and join one that fits your budget. A great way to build saving discipline even outside your existing circle.
Invite-only groups for your family, colleagues, or Chama. You control who joins, set the contribution amount, and define the frequency. Built for trusted circles.
Zedek handles the reminders, the tracking, and the interest — you just contribute and collect.
Find the Merry-Go-Round section from your Zedek dashboard. View all your active rounds and explore new ones at a glance.
Browse public rounds filtered by amount and frequency, accept an invite to a private round, or create your own and invite your group.
When creating a round, set your contribution amount per member, the total number of members, and the contribution frequency (weekly, bi-weekly, or monthly).
Contribute from your Zedek Wallet when due. Zedek sends automatic reminders before each cycle so no one misses their turn.
When a round ends, the full pooled amount lands directly in your Zedek Wallet — automatically, no manual coordination needed.
Your contributions don't sit idle. They earn interest while pooled, so every payout is larger than the sum of what you put in. Your money works for you.
The Merry-Go-Round keeps you accountable. Each cycle builds a habit of disciplined saving — and at the end, you have more than you started with.
Unlike a traditional chama, every shilling pooled in a Zedek Merry-Go-Round earns interest. See how much more you walk away with.
Contributions from all members are held securely in a Zedek group wallet, insulated from individual spending until payout day.
While contributions sit in the pool, they earn competitive interest. By the time your payout arrives, it includes a bonus on top of the principal.
On payout day, the full amount — principal plus interest — is credited directly to your Zedek Wallet. No waiting, no queuing.
Round Payout Estimator
* Interest calculated on a monthly compounding basis at ~12.5% p.a. Actual returns may vary. This is an estimate for illustration only.
Never miss a contribution. Zedek sends push notifications and SMS reminders before each due date so every member stays on track.
Although you are in a round with others, every member's contribution is different. Default from others does not affect your performance or payouts. No disputes, no surprises, full accountability.
At the end of a round, every member receives their payout which is principal plus earned interest
All pooled contributions are held in a dedicated Zedek group wallet — fully separated from individual accounts and protected until payout.
Weekly, bi-weekly, or monthly — choose the rhythm that suits your group. Zedek adapts to how your circle operates naturally.
View past rounds, download contribution history, and track interest earned over time. Perfect for Chama record-keeping and accountability.
"Our Chama has been doing Merry-Go-Round for years but this money earns no interest. Zedek has made it possible to earn interest on our contributions. It's a game changer."
"I have always wanted to join a Chama to challenge myself to save. I joined a public round with strangers and was nervous at first. But Zedek's Merry-Go-Round separate each users contribution meaning I cannot lose my money. I received my KSh 60,000 payout on time — plus interest. I've already started a private round with my workmates."
Zedek sends automated reminders before each due date. If a member still misses a contribution, the final payout will be less than what was anticipated.
Contributions earn interest at approximately 12.5% per annum, compounded monthly. The interest is calculated on the total pooled amount while it sits in the group wallet between collection and payout. The exact return is shown in the payout estimator and in your round details.
Currently, all rounds use the marathon payout methods. Meaning that every user is paid at the end of the round. This maximizes interest as days the money is invested are more.
Yes. You can join or create multiple rounds simultaneously on Zedek. Each round has its own separate wallet, tracker, and payout schedule so there is no confusion between them.
Absolutely. All pooled contributions are held in a dedicated Zedek group wallet that is fully separated from any individual member's account. Funds can only be released according to the agreed payout schedule. Zedek's systems are secured to the same standards as all other products on the platform.
Once a round starts, you cannot leave before the end date.