Your circle, made dependable.
Tyknit is the mutual-aid app for every kind of circle — chama, stokvel, family, friends, alumni, professional. Vouched in, one honest ledger, help that shows up.
Free to belong · Phone number is all you need
Every member picks their own thread colour once they're in.
What it looks like inside
Three screens that replace the treasurer’s notebook.
The ledger everyone sees
Every contribution posts with its rail reference the moment it lands. Nothing is ever deleted — corrections are reversing entries in plain view.
Join by vouch, decide by ballot
Nomination, an independent endorsement, vetting, a secret ballot, probation. The sponsor’s standing is staked for a year.
Fundraisers with a name behind them
A member stakes their standing on every campaign. Progress is read from the ledger, not typed in. Compassion flows carry no fee.
One trust engine, three ways to use it
For the circle you have — and the causes you carry.
Tyknit for circles
Chamas, stokvels, susus, tandas, alumni funds. Vouched admission, secret ballots, a transparent treasury, chat, and the skills directory that turns your circle into a livelihood network.
What the treasurer gets →Tyknit for fundraisers
Education, medical, bereavement, and charity fundraisers — each vouched by a member who stakes their standing on it, each with a shareable page showing ledger-verified progress.
How fundraisers work →Tyknit for diaspora circles
One ledger across M-Pesa, UPI, Pix, SEPA and bank rails, so members in Nairobi, London and Toronto sit in the same treasury in the circle’s own currency.
Across borders →The vouch stake
When you bring someone in, your own standing is on the line for a year.
That single rule is why a Tyknit circle stays tight-knit at any size — and why your ledger, your votes, and your asks can be trusted.
Why choose Tyknit?
Trust you can bank on
Every member was vouched for by someone with skin in the game. Every shilling is on a ledger no one can edit. Every vote is secret.
Real economic benefit
Referrals from people who’ll vouch for you, assistance with clear terms, pool payouts on schedule, and a skills directory that finds you work.
Belonging, not an algorithm
Circle-only chat, 24-hour statuses, celebrations when promises are kept. No feeds, no followers, no strangers.
Free to belong.
Belonging, helping and being helped will never sit behind a paywall. Circles that want more infrastructure — treasury reports, reminders, organisation tooling — will pay for the tools, never the trust.
The Tyknit Business Promise
- We don’t charge you for belonging.
- We don’t sell your relationships.
- We don’t sell your trust.
- We don’t sell your story.
We make money by building the tools that help your circle work.
When your circle grows stronger, Tyknit grows stronger. Joining, participating, asking for help, receiving help, introductions, vouches and chat are free — forever.
Questions, answered.
Does Tyknit hold our money?
Never. Tyknit is the ledger, not the bank: contributions settle on your circle’s own rails — M-Pesa, UPI, Pix, SEPA, bank transfer, cards through Paystack, even cash at the table — straight into the account the circle controls. Tyknit records each payment when the provider or the treasurer confirms it, and the ledger is append-only, so a mistake is corrected by a reversing entry that everyone can see, never by deletion.
How does someone join a circle on Tyknit?
Only through a member’s vouch — there are no invite links. Joining a Tyknit circle takes five steps: a member nominates you, a second member independently endorses you, the circle vets you against its own constitution, the members vote by secret ballot, and you serve a probation period. The sponsor’s own standing is staked on you for a year, which is why a Tyknit circle stays tight-knit at any size.
Do I need an email address to use Tyknit?
No. Tyknit signs you in with your phone number and an SMS code, the way WhatsApp does, because that is what every member of a chama or stokvel already has. Email is optional and only used for receipts and account recovery if you choose to add it.
What does “standing” mean in Tyknit?
Standing is a member’s tier — probationary, member, or pillar — earned from what they actually do inside Tyknit: contributions kept, promises honoured, vouches that held. It is never a public score and never a leaderboard; officers see it when admitting members and approving asks, and it travels with you between circles through your Passport.
What does Tyknit cost?
Belonging is free forever. Joining a circle, participating, asking for help, receiving help, introductions, vouching and chat are never charged. A circle — never an individual member — can pay a small monthly plan for extra infrastructure such as treasury reports, automated reminders, SMS and document storage; founding circles are on Tyknit free while the product is shaped around them. On provider-settled contributions Tyknit keeps at most 0.75%, and 0% on medical, bereavement and emergency campaigns.
Take the next step.
If you run a circle — or a group chat that quietly is one — Tyknit is being built around you. Founding circles are free.
Questions first? Talk to us.