What is Sanad?
Sanad is a savings and money app with two parts. There is your wallet, which holds a balance you can send to another Sanad user. And there are rooms — a shared pot that a group of people pay into together.
A room runs in one of three modes. A pool is a shared pot with rules the organiser sets about who may put money in and who may take it out. A savings circle is a rotating circle: everyone contributes a fixed amount each cycle, and each cycle the whole pot goes to one member, rotating until everyone has received once. A donation room is one-way giving: anyone may donate, only the organiser may take the money out, and the organiser posts proof of what it was spent on.
How do I sign in? Do I need a password or an email?
Neither. You sign in with your phone number and a one-time code. There is no password, and Sanad does not store an email address for you at all. Your account is created the first time you verify a code with a new number.
This has a consequence worth understanding: whoever controls your phone number controls your account and the money in it. There is no second factor and no password to fall back on. Protect your number the way you would protect a bank card.
Does Sanad check who people are?
No. There is no identity verification of any kind — no ID upload, no document check, no address, no age check, no sanctions screening. We ask for a first and last name and a date of birth, and all three are optional. Nobody verifies them.
So do not assume that another Sanad user has been vetted by us, because they have not. If you are about to hand money to a room organiser you do not know in real life, that is a decision you are making about a stranger.
Your wallet
Is Sanad a bank? Is my money insured?
No, and no. Sanad is not a bank, not an e-money institution, and not a licensed payment service. Your balance is a credit we record for you in our own ledger. It is not a bank deposit, it is not insured or guaranteed by any authority, and it is not held in a segregated, ring-fenced account that the app enforces.
Money enters and leaves the system when Sanad staff approve a cash request and settle it by hand, outside the app. If you would not be comfortable with that arrangement for a large sum, do not keep a large sum here.
Are there fees?
There is exactly one fee in Sanad: a cash-out fee, and it depends on the withdrawal method you choose. The fee is a percentage, a flat amount, or both, and it is deducted from what you receive — your wallet is debited the full amount you asked for, and the money that reaches you is that amount minus the fee. Some methods have no fee at all. The fee for each method is shown before you confirm, and Sanad can change it at any time.
Everything else is free. There is no fee on sending money to another user, on adding money, on contributing to a room, on a savings-circle payout, on a donation, or on a refund. We take no commission and no spread.
Why can't I send my EUR balance to someone's USD wallet?
Because Sanad never converts currency. Each currency is a completely separate world: you have one wallet per currency, and money can only ever move between two wallets of the same currency. A EUR balance can only be sent as EUR, contributed to a EUR room, and withdrawn as EUR.
We do not offer exchange, and there is no rate you can trade at. If you need to change currency, you have to do it outside Sanad.
Money in and out
How do I put money in?
You create a deposit request, choosing a payment method. Depending on the method, you will be asked to upload a screenshot of the payment you made outside the app, or to enter a reference such as an on-chain transaction hash. Then you pay us by that method, outside Sanad.
Your balance goes up only after a member of Sanad staff reviews and approves your request. A human being looks at it. Until then the money is pending, not spendable. If we reject it, or you cancel it, nothing was ever credited.
How do I take money out?
You create a withdrawal request and give us a destination — a Whish number, a USDT address, or whatever the method needs. Your wallet is debited immediately, at the moment you make the request, before you have received anything. That is not a bug: the funds are reserved so they cannot be spent twice.
Staff then review the request and pay you outside the app. If we reject it, or you cancel it before it is paid, the money goes straight back into your wallet. The cash-out fee, if the method has one, comes out of what you receive.
Are there minimum or maximum amounts, and how long does approval take?
Each payment method can have a minimum and a maximum, set by Sanad staff, and those can change. Today some methods have none. What applies to yours is shown when you make the request.
As for timing: we do not promise a deadline. Deposits and withdrawals are approved by a person, not a machine, so they take as long as they take. Please plan around that rather than around a number we have not committed to.
Rooms
What is a room, and who can create one?
A room is a shared pot with its own balance, created by any Sanad user in one of the three modes above. The person who creates it is the organiser — this is an authority over that room only. It is not a Sanad staff role and it does not mean we know or endorse them.
Anyone can create a room. There is no approval, no vetting, no check of any kind. Rooms are listed publicly by default. Treat a room the way you would treat a person on the street asking for money: judge it on what you can actually see and on whether you know who is behind it.
Who can take money out of a pool?
Whatever the organiser decided when they set it up. By default, the organiser is the only one who can withdraw from a pool. They can open it up to members, and they can require that a member's withdrawal be approved by them first. They can also set limits on members: a minimum and maximum per withdrawal, a floor that must stay in the pot, and a cap on how much a member may take over a period.
One thing to be clear about: none of those limits apply to the organiser. The organiser's own withdrawals always go through immediately and are exempt from the room's rules. Read the rules of a pool before you put money in it, and understand that they constrain you, not the person who wrote them.
Who can see how much I put into a room?
By default, nobody except the organiser and Sanad staff. Rooms are anonymous by default: an ordinary member sees the pot balance, how many members there are, how many slots are left, the organiser's name, and their own contributions and payouts — never the list of members and never who paid what.
Three exceptions, and the organiser controls all of them. The organiser always sees the full roster, including each member's first name, last name and phone number. The organiser can switch the room's activity feed to public, which shows the other members who put money in and who took it out. And the organiser can turn the room's anonymity off altogether, which shows every member the whole roster — first and last names, and any slot labels. They can do that at any time while the room is open, including after you have joined; a savings circle is the exception, because its settings lock once it starts. None of this is ever visible to non-members, and none of it unmasks an anonymous donation.
Can I leave a room and get my money back?
You can leave while the room is still a draft or open, and when you leave your last slot, whatever you are net owed from the pot comes back to your wallet (capped at what is actually in the pot). Once a savings circle goes active, you cannot leave it at all.
Donations are the exception to all of this: leaving a donation room does not give you your donation back. See below.
Can the organiser remove me, or hand the room to somebody else?
Both. While the room is a draft or open, the organiser can remove you from it without your agreement. You get your net position back from the pot on the same terms as leaving — and, as above, nothing back in a donation room. Once a savings circle is active they cannot remove you that way; the only exit then is the default resolution described below.
The organiser can also hand the room over to another active member, who becomes the organiser with everything that carries: the roster with your name and phone number, the pot's rules, and the right to take money out. You are not asked, and the person you originally judged is no longer the one in charge.
Savings circles
What is a savings circle?
A savings circle is a rotating savings group. It has a fixed number of slots (at least two), a fixed contribution amount and a fixed cycle length. Every cycle, every slot contributes the same amount, and the entire pot is paid out to one member — in an order the organiser sets — until everyone has received once. Nobody earns interest. Nobody pays interest. It is a way to save together and take your turn at a lump sum.
What happens if someone stops paying?
This is the honest, uncomfortable part. If a cycle's deadline and grace period pass with contributions short, the cycle is marked defaulted and the organiser is notified. Sanad charges no late fee, no interest and no penalty, and we do not chase anyone. We do not guarantee, insure or cover a missing contribution, and we cannot force a member to pay.
It is the organiser who resolves it, one of two ways, and you should understand both before you join.
Remove the defaulters and carry on. The contributions that were paid into the failed cycle are returned to the members who paid them, and the members who did not pay are removed from the circle. Be very clear about what that means if the removed member is you: you get nothing back for the earlier cycles you already paid into — that money was paid out long ago to whoever's turn it was — and you never take your turn. Missing one contribution can cost you every contribution you made before it. Removing members also shrinks the circle, so those still waiting will receive a smaller pot than the ones already paid: the pot is the contribution multiplied by however many members are left.
Or cancel the circle. Then whatever is left in the pot is returned to participants in proportion to their net position, which can be less than you put in if members who were paid earlier are ahead. You are taking a risk on the other people in the circle, not on Sanad. Only join circles with people you would trust with the money.
What is auto-debit, and can I leave once the circle starts?
A circle collects either manually or by auto-debit. Auto-debit means exactly what it sounds like: when your contribution is due, Sanad takes it from your wallet automatically, without asking again. Joining an auto-debit circle is your authorisation for that. If your balance is short, the contribution stays due and you get a reminder — we do not overdraw you.
And no: once a circle is active you cannot leave it. Other people are counting on your contribution to fill the pot they are waiting for. Decide before you join, not after.
Donations
Can I get my donation back?
No. A donation is final, and we cannot get it back for you. There is no refund button and no dispute process. You cannot un-donate by leaving the room. Once you send it, the organiser may move it out of the pot into their own personal wallet at any time, with no approval step and no limit — and once they have, it is out of our reach entirely.
There is exactly one exception. If the room is cancelled while money is still sitting in the pot — by the organiser or by Sanad staff — that remaining money goes back to the donors: what you gave, or, if the pot no longer covers everyone, a pro-rata share of what is left. Anything the organiser already took out is gone. Do not donate money you cannot afford to lose.
How do I know the organiser actually spent my donation on what they said?
They post proof: photos, documents or a written note, attached either to the room in general or to a specific donation or withdrawal. Proof can be visible to everyone, to participants only, or to just the one person it concerns. If you donated anonymously you still see the proof — the system knows your money is in the pot even though the organiser does not know who you are.
Now the honest part: Sanad does not verify proof. We do not check the receipts, we do not visit the project, we do not confirm the photo is real or recent or theirs. Proof is the organiser's word with a picture attached. Before you give money to someone you do not know: look at whether they have posted proof before, start with a small amount, prefer organisers you can identify outside the app, and remember that a good story is not evidence.
Can I donate without anyone knowing it was me?
Yes, if the room allows it. An anonymous donation creates no membership record at all — you do not appear on the room's roster, and even the organiser never learns who you are. Your name is not shown to them, not in their donation list, not in the activity feed, not even if the room's feed is set to public. That protection is real and it holds.
Two things it does not do. Sanad staff can still see that it was you, because the payment is a row in our ledger tied to your wallet — anonymity hides you from other users, not from the platform. And anonymity is partly the room's choice, not yours: an organiser can set a room so that every donation is forced anonymous, or so that names are required — and in a names-required room, an anonymous donation is simply refused.
Privacy and safety
What information does Sanad collect about me?
Your phone number, and — if you choose to give them — your first name, last name and date of birth. That is the whole profile. No email, no address, no ID, no photo. On top of that we record the technical trail of your use: your IP address, your device and browser details, the time of each login, and a log of significant actions (login, registration, transfers and so on) with an approximate location — coordinates, city, region and country — derived from your IP on our own servers. And of course we keep your full transaction history.
Two things people are usually surprised by. If a request from your device fails, we store the request in an error log, and that log can contain details you typed, such as a phone number or an amount. And if you invite someone to a room by phone number, we store that person's phone number even though they have never used Sanad.
Who can see my name and phone number?
Your phone number: only the organiser of a room you join, never the other members. They have to have it, because they approve who joins. If you do not want an organiser to have your number, do not join their room. (Donating anonymously is different: it creates no membership record, so the organiser gets nothing.)
Your name: the organiser always, and the other members too if the organiser turns the room's anonymity off — which is their setting, not yours, and they can flip it after you have joined. Rooms start anonymous, but do not treat that as a promise: assume anyone in a room with you may end up seeing your first and last name.
Sanad staff can see everything: your profile, your wallet, every transaction, and who is behind an anonymous donation. Our internal analytics tools read the production database directly. Anonymity in Sanad is anonymity from other users, and we would rather say that plainly than let you assume otherwise.
What can Sanad staff do to my rooms and my money?
More than you might expect, and you should know it before you rely on the app. Staff can reverse a transaction that has already completed, which books the opposite movement and can take money back out of a wallet — so a completed transfer is not final from our side. Staff can credit any wallet from the platform treasury. Staff can hide any room from the public listing without telling its members, and can force-cancel any room, which refunds participants their net position — pro-rata, and therefore possibly less than they put in, if the pot has already been drawn down.
Staff can also approve or reject a held transaction, and trigger a savings circle's payout early once its cycle is fully collected. We use these powers to deal with fraud, error and abuse. They exist because there is no payment network behind us to do it for us.
How do I report a room that looks like a scam?
Tell us, through the support channel shown in the app or on this website, and include the room and what you saw. Staff can hide the room from discovery and force-cancel it, which returns whatever is still in the pot to participants pro-rata.
Be realistic about what that recovers. Money that a donation organiser has already moved into their own wallet, or cashed out, is gone. We can reverse a transaction only while the funds are still sitting in the receiving wallet. Report early, and report before you give more.
Trouble
I lost my phone, or I changed my number. What happens to my account and my money?
Your account lives on your phone number, not your handset. If you lost the phone but still control the number, get the number back on a new device and sign in as usual — your balance and rooms are untouched. Sanad keeps only one active session, so a fresh sign-in ends the old one; if you think someone else has your phone, sign in yourself as soon as you can.
Changing numbers on purpose? While you are still signed in, you can change the number on your account from the app — we send a code to the new number, and your balance, rooms and history move with you. Do that before you give up the old number, not after.
If you no longer control the number, this is serious. Whoever holds that number can sign in as you and spend your balance, and if you register a different number you get a brand-new, empty account — your old balance, rooms and history do not follow you. There is no password, no email and no self-service recovery to fall back on. Contact us immediately through the support channel, and do not let a number tied to a Sanad balance lapse.
I can't sign in — the code isn't working.
A code is only valid for a few minutes, and after three wrong attempts that code is dead and you need a new one. Requests for codes are also rate-limited — a couple per minute, a handful per hour — so if you have been hammering the button, wait and try again rather than retrying immediately.
If it still will not work, contact support with the phone number you are trying to use. There is no password reset to try instead, because there is no password.
How do I delete my account?
From the app: request account deletion, then confirm with a one-time code. Read this before you do it.
Deleting does not withdraw your balance, does not take you out of your rooms, does not cancel rooms you organise, and does not cancel pending cash requests. Money left in your wallet stays attached to the dead account and is not automatically recoverable. Cash out your balance and leave or settle your rooms first, then delete. Deletion is also not erasure: we deactivate the account and obfuscate your name and phone number, but the record stays in our database, and your transaction history is retained permanently — our ledger is append-only and has no deletion path. We keep it because it is the other side of somebody else's transaction too.
I deleted my account by mistake — can I get it back?
No. If you sign up again with the same phone number you get a completely new, empty account and a new wallet. The old account, its balance, its rooms and its history stay behind on the deleted record and are not restored to you.
If money was left in a deleted account, contact support — but treat that as a plea, not a right. This is exactly why we ask you to cash out first.