See who paid, whose turn is next, and where the money is.
Trust in a paluwagan should never depend on someone's memory or a paper notebook. Paluwagan puts the whole arrangement in the open so every member sees the same thing, at the same time.
Every contribution appears the moment it's logged, visible to all members. You always know how many have paid this round and who is still pending.
The payout order is agreed upfront and shown to everyone. No arguments, no surprises. Each member knows exactly which round is theirs.
Members send directly to each round's recipient. Paluwagan confirms and logs the flow, so the trail is clear, but it never holds or moves your cash.
One shared timeline shows the full order of the circle: who has already received the pot, who is receiving it now, and who is still upcoming. It updates live as the circle moves, week by week, so everyone can follow along.
- ✓A green check marks members who have already received.
- 2A gold node marks whose turn it is right now.
- 3Neutral nodes are members still upcoming.
Clear about what we do, and what we don't.
- Help a group set up a circle, an amount, and a payout order.
- Confirm and log each contribution so it's visible to all members.
- Show whose turn it is and remind members when a payment is due.
- Keep one shared record everyone can check at any time.
- Hold, move, or store your money. It is not a bank or e-wallet.
- Lend money or charge interest. It is not a lender.
- Offer any return or profit. A paluwagan is savings, not an investment.
- Guarantee that members will pay. That trust lives within your group.
You get back exactly what you put in. A paluwagan has no interest and no profit. The transparency here is about trust between members, not about growing money. Paluwagan is not a bank, wallet, or insurer.
Save together. In the open.
Join the waitlist and we'll save a perfect slot for you when Paluwagan opens.
Join the waitlist