Community-first savings · Zero interest

Your circle.
Your community.
Your wealth.

Pool savings with the people who matter most. Rotational payouts, real trust, zero interest. The Somali way — upgraded.

5,000+ members saving together

4.9 · Loved community

Start a Circle Join a Circle

5,000+

Active Members

$2.5M

Saved Together

850+

Active Circles

100% Sharia Compliant

KYC Verified Members

Legal Circle Contracts

256-bit Encryption

Mobile Money Native

Built on Community

Why communities choose HAGBAD

The savings tradition your grandparents trusted — reimagined for today

Sharia Compliant

100% interest-free. Your money grows through community, not riba.

Community Powered

Built on trust. Join circles with people you know and trust deeply.

Full Transparency

Every contribution and payout is visible to all circle members.

Mobile Money Ready

Deposit via Hormuud · EVC Plus · Dahabshiil · E-DAHAB instantly.

Legal Contracts

Every circle backed by a legally-binding digital agreement.

Multilingual

English, Af Soomaali, and عربي — full RTL Arabic support.

How It Works

Four simple steps to collective wealth

Create or Join

Start a circle or accept an invite from your trusted community.

أنشئ أو انضم

Contribute

Pay on time via mobile money. Every payment visible to all.

ساهم

Build Together

Watch your collective savings grow in real-time together.

ابنوا معاً

Receive Payout

When it's your turn, the full pool lands in your wallet.

استلم المدفوعات

Get Started

Loved by communities worldwide

Real stories from real members

“Managing our family hagbad used to mean spreadsheets and arguments. This changed everything.”

🇺🇸

Hodan Ali

Minneapolis, USA

“Our entire Somali community group now uses HAGBAD. It has brought us even closer together.”

🇦🇺

Khadija Hassan

Sydney, Australia

“I paid on time for 8 months, built a 92 trust score, and now I get first pick of slots.”

🇨🇦

Amina Korfa

Toronto, Canada

Ready to build wealth together?

Early access open for Somali diaspora in the US, UK, and Canada.

No credit card · Sharia compliant · Free to join

Other designs

Your circle.Your community.Your wealth.