You’re not bad at saving — you’re just doing it alone.

Save with a trusted group. Get paid when it’s your turn. Build your credit. With our Tanda feature

First 1,000 sign-ups get early access before the public and access to paid beta tests

Saving

is hard!

Most people give up in a few weeks.
Life gets expensive. Motivation fades.
Your goals slip further away.

THE SOLUTION

Save together

Watch this 60 sec explainer

The First Digitized Tanda Built for Us

tanda

{tan-duh}

noun

a group of people who pool their money together and take turns receiving a payout

"We joined a tanda to save for a house"

also known as a rotating savings club or money pool

Get your payout.

Build your credit.

Repeat.

  • 🔒 Safe & Backed by Us

  • ⚡Automated Payouts

  • 📈 Build Your Credit

  • 🤝 Community Trust, Digitized

FAQ

What is a tanda?

A tanda is a trusted savings circle where a group of people contribute money regularly, and each member takes turns receiving a payout. Around the world, it goes by many names: susu (West Africa, Caribbean), paluwagan (Philippines), hui (China), tanomoshi (Japan), kye (Korea), and more. Mula brings this global tradition into the digital age.

Is it safe?

Yes. With Mula, all contributions and payouts are automated and hosted securely. We vet all users. No chasing people down — everything is handled through the app.

What happens if someone doesn’t pay?

Your tanda is backed by Mula’s system. Contributions are verified, and participants are screened to keep the circle moving smoothly. All payouts are guaranteed

How do payouts work?

When it’s your turn, you get your payout automatically deposited — no delays, no waiting.

Can this help my credit?

Yes! With Mula, your savings activity can be reported to build your credit profile, so every contribution helps your future.

Why not just save alone?

Most people give up on solo saving in just a few weeks. A tanda keeps you consistent, motivated, and rewarded — while making saving feel social.