Zimbabwe & the diaspora
Mukando online — digital rounds for your circle
Mukando is how families and friends save together. PayWallet Rounds gives your round a contribution ledger, invite codes, locked rules after the first cycle, and a payout you can trust.
Built for Zimbabwean mukando groups at home and in the diaspora. Stokvel clubs in South Africa use the same PayWallet Rounds app.
Same tradition. Digital ledger.
Mukando, round, or ROSCA — PayWallet is the same product. Track who has paid, who is next, and keep reserve out of the distributable pot.
Invite your circle
Create a group, send invite codes, and approve members before the first cycle locks.
Contribute on schedule
Weekly, fortnightly, or monthly deposits with a ledger every member can audit.
Get paid your turn
Fixed, random, auction, or vote rotation. Reserve stays out of the payout pool.
Rules that stay fair
Settings lock after the first cycle. KYC before withdrawals or disbursement.
Common questions
Is PayWallet a mukando app?
PayWallet is a digital group savings (mukando / stokvel) platform. Members contribute on a schedule and take turns receiving the pooled payout. Savings and round loans are posted to the PayWallet ledger — PayWallet orchestrates the circle.
How do I join a mukando round?
Ask your admin for an invite code, then redeem it in the member portal. Admins can approve or reject join requests before you become an active member.
How is the winner / payout order decided?
Rounds support fixed order, random, auction (bid), and vote-based rotation. Admins choose the policy when creating the round; settings lock after the first cycle.
Ready to run your circle on PayWallet?
Start on FREE, invite members, and upgrade when you need loans, reminders, or payroll.
- FREE: 1 group, 1 round, join up to 3
- PLUS and BUSINESS: capacity, loans, reports
- Works alongside SACCOs, banks, and community groups