01
Form your pod.
Invite 3–12 trusted people. Set amount, cadence, and order in minutes.
Community savings · Reimagined
Your circle.
Your wealth.
stacknpass is the modern way to run a savings circle. Pool money with people you trust, take turns getting paid, and build a credibility score every round you complete.
Free to startiOS · Android3 minutes to a pod
Four steps from idea to payout.
02
Sign the pact.
Every member signs a binding agreement before the pod opens.
03
Stack on schedule.
Contributions collect each round and the pot rotates on time.
04
Build your rating.
Each completed round strengthens your Stack Rating for future pods.
The home screen
Every pod, every dollar, in one place.
See your total stacked, every active pod, who’s up next, and what’s owed — without scrolling through bank apps or DMs.
- Real-time round progress for each pod
- Next-payout reminders with member tags
- Your live Stack Rating, always visible
- One-tap entry into any pod’s chat or queue
live
Pod detail · payout queue
Know exactly when you get paid.
The payout queue shows the full rotation — who’s been paid, who’s next, who’s still waiting. The pot is locked, the order is set, and everyone can see it.
- Visible queue prevents disputes
- Round-by-round contribution tracking
- Admin controls (and admin transfer when needed)
- System events log every contribution & payout
round 2/5
The Pact
A real agreement, signed before round one.
Before any pod opens, every member signs a binding pact — their finger, their name, their commitment. No more “they ghosted us.” No more last-minute backouts.
- Pod terms, payout order, late-payment penalties
- Default consequences spelled out clearly
- Dispute resolution & admin transfer clauses
- Signature roster visible to every pod member
signed · 5/5
What's inside
Built for the way circles already move money.
The traditions you already know — with a contract, a chat, and a credibility score on top.
Pods
Savings circles of 3–12 people. Custom amount, custom cadence, custom order.
The Pact
Binding agreement signed by every member before the pod opens. Liability, locked.
Pod Chat
Group chat with reactions, polls, attachments, and inline system events.
Stack Rating
A 600–900 credibility score that grows every round you complete on time.
Auto Rotation
Payouts rotate on schedule. The order is set at signing — no debates, no surprises.
Locked & Audited
Every contribution, every payout, every signature — written to an immutable pod ledger.
The continuum
A timeline of every pod you've ever been in.
Your Stack Rating isn't just a number — it's a continuum. Every pod, every round, every payout. Visible to anyone considering you for their next circle.
Brunch Crew
’23 · 5 rds · admin
5/5
Lagos Trip Fund
’24 · 8 rds · member
8/8
House Fund
’25 · 10 rds · member
7/10
Holiday Stack ’26
’26 · 6 rds · admin
2/6
Completed pod
Active
Round complete
Upcoming
Your payout
12,400
Active stackers
2,180
Pods running
$48M+
Stacked & paid out
99.4%
On-time rate
Why people trust it
The pact. The queue. The score.
Three layers of accountability — so a pod actually feels like a pod, not a hope.
Signed
& sealed
A pact, not a promise.
Every member signs a binding agreement before round one. Late payments, defaults, and disputes are all covered, in plain English, before any money moves.
Audit
trail
A queue everyone sees.
Payout order, contributions, and every round event are written to an open pod ledger. No private spreadsheets, no “I thought you were next.”
Score
that travels
A score that follows you.
Your Stack Rating is portable across every future pod. Showing up matters — and it pays you back the next time someone’s picking members.
From the circle
Pods, in their own words.
Real stackers, real circles, real payouts.
“My family has run a sou-sou for 30 years on paper napkins. stacknpass made my mum a believer in two weeks — she said the pact “kept the cousins honest” for the first time ever.
A
Amara O.
Pod admin · House Fund
“Knowing that everyone has signed and that I can see the queue — it’s just calm. I never have to chase anyone.
D
Dele M.
Member · Brunch Crew
“My Stack Rating got me into the pod I wanted to join. That continuum is real social proof.
T
Tomi K.
Member · Sunday Stackers
Everything you would want to know.
Is this a bank?
No. stacknpass coordinates savings circles while members use existing payment rails.
What happens on a missed contribution?
Pact terms apply and the member's Stack Rating reflects payment behavior.
How is Stack Rating calculated?
Rating is based on pod completion, on-time rounds, and tenure.