Transform YourROSCA JourneyInto Mortgage Success
Together we rise: people uplifting people
Transform your informal savings circles — whether you call them ROSCA, Ajo, Hagbad, Tontine, Pardna or Isusu — into professional, bank-grade documentation that lenders trust. Join thousands building wealth together through transparent, compliant group savings.
Open Banking
Real-time verification
Complete Audit
Full transaction history
Bank Accepted
Lender-grade evidence
See FundTrail in Action
Experience the platform that transforms savings into evidence
Your Savings Circle
Monthly £500
Verification Status
All checks passed
Ready for lender submission
Documentation
Ready for download
Compliance Report
PDF • 2.4MB
Transaction History
JSON • 1.2MB
Trusted by families and professionals across the UK
Important Regulatory Disclaimer
Please read carefully before using this platform
Platform Status
FundTrail is a technology platform that facilitates ROSCA organization only. We are not an FCA-authorized financial institution.
Secure Processing
All payments processed via Stripe Financial Connections with bank-grade security. We never hold or access your funds.
Your Responsibility
ROSCAs are unregulated savings schemes not protected by FSCS. Participation is at your own risk.
What We Provide
Software tools for coordination and record-keeping. We do not provide regulated financial services or advice.
By using this platform, you acknowledge understanding these risks and limitations.Always ensure you trust all group members before participating.
Active ROSCA Groups
No active groups available at the moment.
Enterprise-Grade Platform
Built for the UK financial sector with full regulatory compliance and lender-grade documentation.
Open Banking Integration
AISP-verified transactions with real-time bank statement reconciliation and CoP verification.
Audit-Ready Documentation
Cryptographically signed evidence packs with complete audit trails for lenders and conveyancers.
Group Management
Organize your savings groups (ROSCA, Ajo, Hagbad, Tontine, or Pardna) with automated cycle scheduling, member verification, and payout tracking.
Security & Compliance
Full regulatory compliance with GDPR controls and automated sanctions screening.
Identity Verification
Basic email and phone verification for secure user onboarding and account protection.
Payment Automation
PISP-enabled payments with automatic reconciliation and standing order fallback options.
Ledger Chain Integrity
Append-only ledger with cryptographic hash chaining ensuring tamper-proof transaction records.
SoF Pack Generation
One-click generation of comprehensive Source of Funds packs in PDF and JSON formats.
From Informal Savings to Bank-Grade Evidence
Transform your savings circle contributions into professionally documented evidence in four simple steps.
Create Your Savings Circle
Set up your rotating savings group (ROSCA, Ajo, Hagbad, Tontine, or Pardna) with verified members, contribution amounts, and payment schedule.
- Email verification for all members
- Flexible payment frequencies
- Automated cycle scheduling
Make Verified Contributions
Contribute using Open Banking with automatic verification and confirmation of payee checks.
- Open Banking PISP payments
- Confirmation of Payee verification
- Real-time reconciliation
Track & Verify Everything
All contributions are tracked with cryptographic integrity and audit trails for complete transparency.
- Cryptographic hash chains
- Bank statement reconciliation
- Immutable audit logs
Generate SoF Evidence
One-click generation of comprehensive Source of Funds packs accepted by UK lenders and conveyancers.
- PDF + JSON formats
- Lender-grade documentation
- Shareable secure links
Enterprise-Grade Security
Built to meet the highest standards for UK financial services with comprehensive regulatory compliance.
Security Standards
High security standards and compliance with UK regulations for financial services.
- Platform security
- Data protection
- Regulatory compliance
GDPR Controls
Complete data protection compliance with right to export, delete, and data minimization.
- Data export capabilities
- Right to erasure
- Privacy by design
User Verification
Email and phone verification with basic identity checks for secure platform access.
- Email verification
- Phone verification
- Account security
Audit Ready
Comprehensive audit trails with cryptographic integrity and immutable records.
- Hash chain integrity
- Immutable ledger
- Complete audit logs
Transparent Operations
Full visibility into all operations with real-time monitoring and reporting.
- Real-time monitoring
- Compliance reporting
- Transaction transparency
Lender Acceptance
Documentation format specifically designed for UK mortgage lenders and conveyancers.
- Industry standard format
- Lender requirements met
- Conveyancer ready
Security Certifications
Information Security Management
Security & Availability Controls
Payment Card Data Security
UK Government Scheme
Regulatory Compliance
FundTrail operates under full compliance with UK financial regulations. Our platform meets security standards, GDPR requirements, and industry best practices. All documentation is generated to meet UK mortgage lender and conveyancing requirements.
Ready to Document Your ROSCA Savings?
Transform your informal savings into professional documentation that banks accept.
Trusted by families across the UK • Cancel anytime • Your data stays secure