How It Works
Money, organized around people you already trust.
Recibia helps trusted groups save and access money together through structured cycles. Everyone contributes. Everyone gets a turn. Everything is transparent. No lending. No investing. No guessing.
Create or Join a Club
A club is a private group of people who already know and trust each other.
Clubs can be:
• Friends saving together
• Families supporting shared goals
• Small business owners pooling resources
• Community groups organizing finances
Each club has:
• A clear set of members
• Shared visibility into activity
• Agreed-upon rules before money moves
Clubs don't move money — cycles do.
Create a Cycle
A cycle is where money actually moves. When a cycle is created, the club defines:
• Contribution amount
• Contribution schedule (weekly, monthly, etc.)
• Number of participants
• Rotation order (who receives money and when)
Not everyone in the club has to join every cycle. A club may have 20 members, but only 15 might join a specific cycle.
Each cycle is separate, intentional, and clearly defined upfront.
Join a Cycle with a Goal
When you join a cycle, Recibia asks you why you're joining. This could be:
• Paying school fees
• Starting or growing a business
• Covering a major expense
• Building emergency savings
Your goal stays private to you, but Recibia uses it later to help you celebrate when your turn comes. This keeps the experience human — not transactional.
Contribute on a Rotational Basis
During a cycle:
• Members contribute on schedule
• Contributions are tracked in real time
• Everyone can see what's been paid and what's pending
Each contribution moves the cycle forward. No surprises. No hidden activity.
If someone misses a contribution:
• It's visible to the group
• Clear rules determine what happens next
Receive Your Payout
When it's your turn:
• The full cycle amount is released to you
• Funds are transferred to your linked bank account
• You're notified immediately
This is the moment Recibia celebrates with you. Hurray! You did it.
Your payout reflects the trust and consistency of the group — not interest, not profits, not promises.
Trust, Transparency & Structure
Built-In Transparency & Safety
Throughout every step:
• All activity is logged
• Cycles are visible to participants
• Risk monitoring helps flag unusual behavior
• Admin oversight supports dispute resolution when needed
Recibia never:
• Lends money
• Invests funds
• Guarantees returns
Why This Works
Recibia works because:
• The rules are clear before money moves
• Participation is intentional
• Accountability is shared
• Trust is supported by structure
It's not about maximizing returns.
It's about making informal money rotation safe, visible, and reliable.
When It's Your Turn
In a cycle, everyone contributes. One person receives at a time. Recibia makes the moment clear, fair, and visible to the group.
