Question 1

What is TrustCirq?

Accepted Answer

TrustCirq helps savings groups coordinate contributions, rotations, reminders, and record-keeping in one place. It is built to make group saving more transparent and easier to manage.

Question 2

Who can use TrustCirq?

Accepted Answer

TrustCirq is designed for community savings circles, family contribution groups, workplace savings clubs, and other rotating savings groups that want a clear digital record of activity.

Question 3

How do I create a savings group?

Accepted Answer

Download the TrustCirq app, sign up for a free account, and tap 'Create Group'. Set your group name, contribution amount, schedule, and invite your members.

Question 4

Can I invite members by phone or email?

Accepted Answer

Group admins can invite members using the onboarding options available in the app. The exact invitation flow may vary, but the goal is to make it easy to bring your full circle into one shared record.

Question 5

Do all members need the app?

Accepted Answer

For the best experience, each member should have their own TrustCirq account so they can receive reminders, view schedules, and track their contribution history directly.

Question 6

Can I use TrustCirq for a private family savings circle?

Accepted Answer

Yes. Many groups use TrustCirq for close-knit circles such as family, friends, church groups, or community associations that want a simpler way to stay organised.

Question 7

Is TrustCirq available on Android and iPhone?

Accepted Answer

TrustCirq supports mobile access for users, and availability may vary by platform and release stage. Check the latest download information on our website or app listings.

Question 8

Can I be in multiple groups?

Accepted Answer

Yes! You can join or administer as many groups as you like through your TrustCirq account.

Question 9

Can I be both a member and an admin?

Accepted Answer

Yes. In many savings circles, the person who organizes the group is also a contributing member. TrustCirq supports that style of group management.

Question 10

Can I leave a group after joining?

Accepted Answer

Leaving a group may affect the group's payout schedule and expectations, so it should be handled carefully. If you need to exit a group, contact the group admin and review any commitments with your circle first.

Question 11

What should I do if I was invited to the wrong group?

Accepted Answer

Do not accept the invitation if it looks incorrect. If you have already joined by mistake, contact the group admin or email support@trustcirq.com so the issue can be reviewed.

Question 12

Can admins see who has paid?

Accepted Answer

Yes. Group admins can monitor contribution status and identify which members have completed or missed their expected payments for a cycle.

Question 13

Can the payout order be changed after the group starts?

Accepted Answer

If your group agrees, the admin can update the rotation where the app allows it. It is best to make any changes transparently and confirm them with all members before the next payout cycle.

Question 14

How do payouts work?

Accepted Answer

Payouts rotate among group members based on the schedule you set. The group admin can configure the payout order, or it can be randomised. Every payout is logged transparently.

Question 15

Can I choose how often members contribute?

Accepted Answer

Yes. When setting up a group, you can choose the contribution cadence that fits your circle, such as weekly or monthly, based on what is available in the app.

Question 16

Are contributions paid through the app?

Accepted Answer

TrustCirq primarily helps groups coordinate and track what has been paid. If your group uses external payment methods, members can still use TrustCirq to keep the schedule and records aligned.

Question 17

What happens if a member misses a contribution?

Accepted Answer

TrustCirq sends automated reminders to members before their contribution is due. Group admins can see who has paid and who hasn't, and the platform logs all activity.

Question 18

Can missed contributions be corrected later?

Accepted Answer

That depends on your group's internal rules. TrustCirq can help your group record what happened, but your members and admin should decide how late payments or catch-up contributions are handled.

Question 19

Will members get reminders before contributions are due?

Accepted Answer

Yes. TrustCirq is designed to send reminders so members know when upcoming contributions or payout events are approaching.

Question 20

Can I see my past contributions and payouts?

Accepted Answer

Yes. TrustCirq keeps a record of group activity so members and admins can review contribution history, payout turns, and important timeline events.

Question 21

Is my money safe with TrustCirq?

Accepted Answer

TrustCirq is a coordination platform - we help your group track contributions and payouts. Actual money transfers happen between members directly. We do not hold member funds.

Question 22

Does TrustCirq process or store member funds?

Accepted Answer

No. TrustCirq does not hold pooled money on behalf of your group. The platform helps your group organize and document contributions and payouts, while payments happen directly between members.

Question 23

What payment methods can my group use?

Accepted Answer

Your group can use the payment methods it agrees on outside TrustCirq, such as bank transfer, mobile money, cash, or another local method. TrustCirq helps record, verify, and track the payment activity.

Question 24

What if I paid outside the app?

Accepted Answer

If your group accepts outside payments, follow your group's instructions and submit any proof requested in TrustCirq. The payment may still need admin or treasurer confirmation before it is marked complete.

Question 25

What proof should I upload for a payment?

Accepted Answer

Use clear proof that shows the amount, date, recipient, and transaction reference where available. Avoid uploading unrelated personal information that your admin does not need to confirm the payment.

Question 26

What happens if payment proof is rejected?

Accepted Answer

A rejected proof usually means the admin or treasurer could not confirm the payment from the information provided. Review the reason, upload clearer proof if needed, or contact your group admin to resolve it.

Question 27

Can admins correct a mistaken payment record?

Accepted Answer

Admins and treasurers can manage payment records where the app allows it. If a record looks wrong and cannot be corrected in the app, contact support@trustcirq.com with the group name, date, and details.

Question 28

How do loan requests work?

Accepted Answer

A member can request a loan where the group and app workflow allow it. The request may include the amount, reason, repayment plan, and any group-specific requirements before review.

Question 29

Who approves a loan?

Accepted Answer

Loan approval depends on your group's rules and admin workflow. TrustCirq can help organize the request and records, but final approval is handled through the group's decision process.

Question 30

What affects loan eligibility besides Trust Score?

Accepted Answer

Loan eligibility may also depend on KYC status, repayment history, active loans, group rules, contribution history, admin review, and whether the group has enough confidence to approve the request.

Question 31

What happens if I repay a loan late?

Accepted Answer

Late repayment may affect your repayment history, Trust Score, reminders, and future borrowing review. Contact your group admin early if you know a repayment may be late.

Question 32

Can I repay a loan early?

Accepted Answer

Your group may allow early repayment depending on its rules. If you repay early, make sure the payment is recorded and confirmed so your loan status stays accurate.

Question 33

Can I have more than one active loan?

Accepted Answer

That depends on your group's rules and the app workflow. Active debt, repayment history, Trust Score, and admin review may all affect whether another loan is allowed.

Question 34

What happens after a loan is approved?

Accepted Answer

The group follows its disbursement process, and TrustCirq can track the loan status, repayment schedule, confirmations, and related trust activity.

Question 35

What happens if a loan is rejected?

Accepted Answer

A rejected loan means the request was not approved through the group's workflow. Review the reason if one is provided, improve any weak areas, and follow your group's rules before requesting again.

Question 36

What is a hand?

Accepted Answer

A hand is one participation slot in a savings cycle. If a member takes one hand, they usually make one contribution per period and receive one payout turn.

Question 37

Can one member take multiple hands?

Accepted Answer

Yes, if the group allows it. For example, if the contribution is 500 and a member takes 2 hands, that member may contribute 1000 per period and receive 2 payout turns in the cycle.

Question 38

Why does taking multiple hands change the cycle length?

Accepted Answer

Cycle length is based on total active hands, not only the number of people. If 8 people create 10 total hands, the cycle has 10 payout turns.

Question 39

Can hand counts change when a group restarts?

Accepted Answer

Hand counts may change during restart setup if your group and admin workflow allow it. A restart creates a new cycle while preserving past history.

Question 40

Why are payout turns spaced apart?

Accepted Answer

Some groups use spacing rules to keep payouts fair, especially when one member has multiple hands. Admins may avoid placing the same member's payout turns too close together.

Question 41

Can payout order be randomized?

Accepted Answer

Some groups may use random payout order while others choose a fixed order. The best option depends on your group's rules and what members agree to before the cycle starts.

Question 42

What happens when a cycle ends?

Accepted Answer

When all expected payout turns and payments are complete, the group can close the cycle and may choose to restart with updated members, hand counts, rules, or payout order.

Question 43

What are group rules?

Accepted Answer

Group rules are the expectations your circle agrees to follow, such as contribution amount, due dates, penalties, payout order, loan rules, dispute handling, and member responsibilities.

Question 44

Do members need to accept rules before joining?

Accepted Answer

Groups may require members to review and accept rules before full participation. This helps everyone understand the same expectations before money movement begins.

Question 45

Can rules change after a group starts?

Accepted Answer

Rules should only change transparently and with the group's agreement. Changes can affect payments, payouts, loans, and member expectations, so they should be communicated clearly.

Question 46

What happens if someone breaks group rules?

Accepted Answer

The group should follow its agreed process. TrustCirq can help record penalties, disputes, late payments, and related activity, but your group decides how rules are enforced.

Question 47

Can different groups have different rules?

Accepted Answer

Yes. Each savings circle may have its own contribution amount, cadence, payout order, penalties, loan process, and dispute expectations.

Question 48

Where can I review my group's rules?

Accepted Answer

Check the group details or rules area in the app where available. If you cannot find the rules, ask your group admin to share the current version before you make commitments.

Question 49

What is group messaging in TrustCirq?

Accepted Answer

Group messaging lets members communicate inside a savings group so discussions about contributions, payouts, rules, reminders, and group coordination can stay connected to the group record.

Question 50

Who can send messages in a group?

Accepted Answer

Messaging access depends on the group settings. Some groups allow all members to send messages, while admins can turn on admin-only group messages when the group needs announcements instead of open chat.

Question 51

What does admin-only messaging mean?

Accepted Answer

Admin-only messaging means only group admins can post in the group message thread. Members may still be able to read updates, but they should contact the admin through the allowed group process if they need to respond.

Question 52

Can I search old group messages?

Accepted Answer

Where available, group message search helps members find previous discussions by keyword. This is useful for locating rule changes, payment reminders, payout notes, or admin announcements.

Question 53

How do unread message counts work?

Accepted Answer

TrustCirq can track unread group messages so members know when a group has new updates. Opening the thread or marking messages as read can update the unread count.

Question 54

Can I mute group message notifications?

Accepted Answer

Yes, where message preferences are available. You may be able to mute a group, set a mute-until time, or choose a notification level so message alerts fit your needs.

Question 55

Will muting messages hide important payment reminders?

Accepted Answer

Muting group messages can reduce chat alerts, but it may not replace or silence every important payment, payout, account, or safety notification. You should still check your schedule and group activity regularly.

Question 56

Can group messages include attachments?

Accepted Answer

Messaging may support attachment metadata for safe images or documents where enabled. Attachments can be restricted by file type, size, and group or release settings.

Question 57

Why was my attachment rejected?

Accepted Answer

An attachment can be rejected if the file type is not allowed, required metadata is missing, the file is too large, or attachments are not enabled for that group or release stage.

Question 58

Can I delete a message?

Accepted Answer

Message deletion depends on your role and the app workflow. If a message needs removal because it is incorrect, unsafe, or inappropriate, use the available delete or report option or contact the group admin.

Question 59

How do I report a group message?

Accepted Answer

Use the report option on the message where available and include the reason and any useful details. Reports help admins or TrustCirq review messages that may be inappropriate, unsafe, or misleading.

Question 60

Are group messages private?

Accepted Answer

Group messages are intended for the members and roles who have access to that group. Do not post sensitive KYC details, passwords, private payment credentials, or unrelated personal information in group chat.

Question 61

Can admins read all group messages?

Accepted Answer

Admins may be able to view group messages needed to moderate and manage the group. Private account data, KYC details, and sensitive payment credentials should not be shared in chat.

Question 62

Can TrustCirq use messages to resolve disputes?

Accepted Answer

Messages may help provide context during a dispute, especially when they show group decisions, payment discussions, or admin instructions. Include relevant message screenshots or references when opening a dispute.

Question 63

Can I use messaging instead of official payment proof?

Accepted Answer

No. A chat message can provide context, but it usually does not replace clear payment proof or admin/treasurer confirmation. Follow your group's payment proof process.

Question 64

Why can't I send a message?

Accepted Answer

You may be blocked from sending if admin-only messaging is enabled, you are not an active member, the message is empty, you are sending too quickly, or the message type is not supported.

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