While banks charge you 7-8% on loans and mortgages, they pay you less than 1% on savings. Before you build equity, you've already paid thousands in interest. There's a better way.
Start Building Your Score TodayBanks charge 7-8% APR on personal loans, auto loans, and credit cards. On a $30,000 loan over 5 years, you'll pay over $6,000 in interest alone.
While banks charge you 7-8%, they only pay you 0.5-1% on savings accounts. Your money sits there earning almost nothing while inflation eats away at its value.
On a $400,000 mortgage at 7.1% over 30 years, you'll pay over $560,000 in interest. In the first 10 years, you've paid $280,000 in interest but only built $50,000 in equity.
You've paid $280,000 in interest but only own $50,000 of your home. That's 5.6x more interest than equity. The bank profits while you struggle to build wealth.
Join trusted circles, pool resources, and build your scoring history. Get rewarded for good behavior with better rates and long-term benefits.
Join or create investment circles with people you trust. Pool resources together to pay off mortgages faster, invest in opportunities, and support each other.
When temporary family issues hit, your circle can provide fair salary advances at 8-12% interest instead of 300-400% from payday lenders. Every repayment builds history and trust.
Every transaction, every payment, every contribution builds your Circles Score. This proprietary scoring system tracks your reliability and trustworthiness.
The longer you're active in circles, the better your score becomes. Higher scores unlock better rates, larger loan amounts, and exclusive opportunities.
Every good action counts. Make payments on time, contribute consistently, and participate actively. Your Circles Score reflects your behavior and opens doors to better opportunities.
Start participating in circles. Every transaction is tracked.
Make payments on time, contribute consistently, and participate actively.
Your Circles Score improves with good behavior, unlocking better opportunities.
Higher scores mean better interest rates, larger loans, and exclusive deals.
12 million Americans use payday loans each year, paying an average of $520 in fees for a $375 loan. Your circle can break that cycle with fair, transparent terms.
Decent families trying to live decent lives. When temporary issues hit—medical bills, car repairs, unexpected expenses—your circle can help at fair rates. It's not charity—it's community support with transparent terms.
| Traditional Banks | Circles | |
|---|---|---|
| Loan Interest Rate | 7-8% APR | 2-4% (within circles) |
| Savings/Returns | 0.5-1% | 2-4% (pool returns) |
| Mortgage Rate | 7.1%+ | 2-3% (circle payoff) |
| Scoring System | FICO (hard to improve) | Circles Score (rewards behavior) |
| Rewards for Good Behavior | Limited | ✓ Better rates & access |
| Long-Term Benefits | None | ✓ Growing score unlocks opportunities |
Join Circles today and start building your scoring history. Get rewarded for good behavior with better rates and long-term benefits.