100% Sharia Compliant · No riba, ever

Community savings, built for the future.

Join or start a hagbad savings circle. Contribute monthly with trusted members, receive your payout on your slot date. Transparent, Sharia-compliant, and built for Somalia.

5,000+ members saving together

4.9 · Trusted

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 for the Future

Why people choose hagbad

Modern infrastructure, timeless community values

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 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 steps to collective wealth

1

Create or Join

Start a circle or accept an invite from someone you trust.

أنشئ أو انضم

2
$

Contribute

Pay on time via mobile money. Every payment is visible.

ساهم

3

Build Together

Watch your collective savings grow in real-time.

ابنوا معاً

4
$

Receive Payout

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

استلم المدفوعات

Get Started

Trusted by communities worldwide

Real stories from real members

The interface is so clean and modern. It actually made my whole community want to switch immediately.

🇺🇸

Mohamed Warsame

Minneapolis, USA

Real-time payout tracking is insane. You can see exactly when money moves. No more guessing.

🇳🇴

Said Ibrahim

Oslo, Norway

I love that everything is on the app. I manage two circles and it has never been easier.

🇺🇸

Ilhan Abdi

Minneapolis, USA

Ready to start saving together?

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

No credit card · Sharia compliant · Free to join

Other designs

Classic
Trusted
Community
Heritage