01
Form your pod.
Invite 3–12 trusted people. Set amount, cadence, and order in minutes.
Community savings · Reimagined
Your circle.
Your wealth.
stacknpass is the modern way to run a savings circle. Pool money with people you trust, take turns getting paid, and build a credibility score every round you complete.
Free to startiOS · Android3 minutes to a pod
Four steps from idea to payout.
02
Sign the pact.
Every member signs a binding agreement before the pod opens.
03
Stack on schedule.
Contributions collect each round and the pot rotates on time.
04
Build your rating.
Each completed round strengthens your Stack Rating for future pods.
Every pod, every dollar, in one place.
See total stacked, active pods, who is next, and what is owed without digging through chat threads and spreadsheets.
Know exactly when you get paid.
Payout order, contribution status, and round context are visible to everyone in the pod.
A real agreement, signed before round one.
Every pod opens only after signatures are complete, with terms and accountability visible to all members.
Built for the way circles already move money.
Pods
Savings circles of 3–12 people with custom amount, cadence, and order.
The Pact
Binding terms signed by every member before the first round.
Pod Chat
Shared chat with reactions, status updates, and system events.
Stack Rating
A portable 600–900 credibility score built through consistency.
Auto Rotation
Payout order is visible and enforced for every round.
Locked & Audited
Every contribution, payout, and signature is tracked in one ledger.
A timeline of every pod you have ever been in.
Your Stack Rating evolves round by round, making reliability visible before the next invite.
12,400
Active stackers
2,180
Pods running
$48M+
Stacked & paid out
99.4%
On-time rate
The pact. The queue. The score.
A pact, not a promise.
Terms, penalties, and responsibilities are clear before money moves.
A queue everyone sees.
Transparent payout ordering and contribution history keeps circles calm.
A score that follows you.
Reliability in one pod increases trust in every future pod.
Pods, in their own words.
“stacknpass made our family savings circle transparent and stress-free.”
“The queue and signatures removed the usual confusion immediately.”
“My Stack Rating helped me join the next pod faster.”
Everything you would want to know.
Is this a bank?
No. stacknpass coordinates savings circles while members use existing payment rails.
What happens on a missed contribution?
Pact terms apply and the member's Stack Rating reflects payment behavior.
How is Stack Rating calculated?
Rating is based on pod completion, on-time rounds, and tenure.