Pool
A shared pot for a shared thing — a trip, a wedding, an emergency fund. The organiser sets the rules: who may put money in, who may take it out, and whether a withdrawal needs their approval first.
Money out: whoever the organiser allows
Save together
The circle your family already has. With the books kept straight.
People have saved together for generations — a group, a monthly amount, and everyone takes a turn. Sanad keeps the ledger, moves the money, and shows you exactly where it went. It does not get between you and the people you trust.
Six members, one pot. Each cycle it goes to one of them, until everyone has had their turn.
Three shapes a shared pot can take
The money goes in the same way every time. What changes is how it comes out — and that is the only thing you really need to understand before you join one.
Savings circle
Everyone puts in the same amount each cycle, and each cycle the whole pot is paid out to one member — rotating in an order the organiser sets, until every member has received once.
Money out: one member per cycle, in turn
Donation pot
One-way giving. Anyone can donate, and only the organiser can take the money out — to spend on the cause. They post photos and receipts showing what it bought. You can give without your name being attached to it.
Money out: the organiser. A donation is final
What we hold ourselves to
- One ledger, and nothing outside it
- Every transfer, contribution, payout and refund is a single entry moving money from one place to another. Balances are calculated from those entries, never edited by hand. If money moved, there is a row that says so.
- Your currencies never touch each other
- Each currency is a separate balance and a separate ledger. We never convert your money behind your back — which also means a euro balance cannot pay into a dollar pot, and never silently will.
- A pot is private by default
- Members do not see each other. The organiser sees the roster, because they are the one approving people. A donation you make anonymously creates no entry anywhere — not even the organiser learns it was you.
- Donations come with proof
- An organiser who takes money out of a donation pot can post photos, receipts and documents showing what it went to — to the whole pot, or to one donor about their own gift. We are honest below about what that proof is and is not.
What Sanad is not
You should know these before you put money in — not afterwards, in an argument.
- Not a bank. We hold a balance for you, but it is not a deposit, and we are not licensed as a bank.
- Not insured. If something goes wrong, there is no deposit guarantee scheme standing behind your balance.
- We do not vet organisers or verify causes. Proof in a donation pot is posted by the organiser. We do not independently check that it is true — read it, judge it, and only give to people you have reason to trust.
- Not a lender and not a charity regulator. A savings circle only works if its members keep paying. If they stop, the circle can fail, and we cannot make anyone pay.