Recibia is designed to help trusted groups organize money rotation with transparency and structure. However, participation involves financial and social risk. This page explains those risks so you can make informed decisions.
Recibia does not guarantee payouts. Contributions and payouts depend entirely on participants meeting their commitments within a cycle. Recibia does not insure, underwrite, or guarantee any financial outcome.
If one or more participants fail to make a contribution:
While Recibia provides visibility and monitoring, it cannot prevent missed contributions.
Recibia is built for people who already trust each other. Clubs and cycles rely on social trust, shared accountability, and clear expectations. The platform does not replace trust—it supports it with structure and transparency.
You should only participate in clubs and cycles with people you know and trust.
By joining a cycle, you accept responsibility for:
Recibia provides tools and oversight but does not assume responsibility for decisions made within a club.
Recibia is not a bank, lender, or investment platform. It does not offer interest, loans, or guaranteed returns. Participation is voluntary and should be based on careful consideration.