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1<meta name="next-size-adjust" content=""/><link rel="dns-prefetch" href="//cdn-cookieyes.com"/><link rel="preconnect" href="https://cdn-cookieyes.com" crossorigin="anonymous"/><title>How Susu Works | Savings Circles in 5 Steps | Susu</title><meta name="description" content="Choose your circle type, set your rules, invite your people, start saving, and receive your funds. See how Susu works."/><meta name="author" content="JoinSusu LLC"/><meta name="keywords" content="susu app,susu,savings circle app,rotating savings app,esusu,tontine,community savings,group savings app,ROSCA app,savings app,financial inclusion"/><meta name="creator" content="JoinSusu LLC"/><meta name="publisher" content="JoinSusu LLC"/><meta name="robots" content="index, follow"/><meta name="googlebot" content="index, follow, max-video-preview:-1, max-image-preview:large, max-snippet:-1"/><link rel="canonical" href="https://www.joinsusu.com/how-it-works"/><meta property="og:title" content="How Susu Works | Savings Circles in 5 Steps"/><meta property="og:description" content="Choose your circle type, set your rules, invite your people, start saving, and receive your funds. See how Susu works."/><meta property="og:url" content="https://www.joinsusu.com/how-it-works"/><meta property="og:image" content="https://www.joinsusu.com/images/og-image.png"/><meta property="og:image:width" content="1200"/><meta property="og:image:height" content="630"/><meta property="og:image:alt" content="How Susu Works"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="How Susu Works | Savings Circles in 5 Steps"/><meta name="twitter:description" content="Choose your circle type, set your rules, invite your people, start saving, and receive your funds. See how Susu works."/><meta name="twitter:image" content="https://www.joinsusu.com/images/og-image.png"/><link rel="shortcut icon" href="/favicon.ico"/><link rel="icon" href="/favicon.ico?favicon.0qoexn1v2lhwn.ico" sizes="64x64" type="image/x-icon"/><link rel="icon" href="/favicon.ico" sizes="48x48" type="image/x-icon"/><link rel="apple-touch-icon" href="/apple-touch-icon.png" sizes="180x180" type="image/png"/>
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1</head><body class="geist_9c1fd2b9-module__We3PEq__variable geist_mono_e0f6b80d-module__yeUymq__variable bricolage_grotesque_cbd71554-module__nhxWwa__variable antialiased"><div hidden=""><!--$--><!--/$--></div><header class="fixed top-0 left-0 right-0 z-50 bg-white/70 backdrop-blur-xl border-b border-white/50 shadow-sm"><nav class="flex items-center justify-between py-4 xl:py-5 2xl:py-6" style="padding-left:6%;padding-right:6%"><a class="flex items-center gap-2 sm:gap-3 xl:gap-4" href="/"><img alt="JoinSusu" loading="lazy" width="48" height="48" decoding="async" data-nimg="1" class="w-9 h-9 sm:w-12 sm:h-12 lg:w-14 lg:h-14 xl:w-16 xl:h-16 2xl:w-20 2xl:h-20 rounded-full object-cover" style="color:transparent" srcSet="/_next/image?url=%2Flogo.png&w=48&q=75 1x, /_next/image?url=%2Flogo.png&w=96&q=75 2x" src="/_next/image?url=%2Flogo.png&w=96&q=75"/><span class="text-xl sm:text-2xl lg:text-3xl xl:text-4xl 2xl:text-5xl font-extrabold" style="font-family:var(--font-display)"><span class="text-[var(--brand-navy)]">JoinSusu</span></span></a><div class="hidden lg:flex items-center gap-10 xl:gap-14 2xl:gap-16 ml-auto"><a class="text-lg lg:text-xl xl:text-2xl 2xl:text-3xl text-slate-500 hover:text-[var(--brand-teal)] transition-colors duration-200 font-semibold whitespace-nowrap" href="/how-it-works">How It Works</a><a class="text-lg lg:text-xl xl:text-2xl 2xl:text-3xl text-slate-500 hover:text-[var(--brand-teal)] transition-colors duration-200 font-semibold whitespace-nowrap" href="/community-fund">Fundraising</a><a class="text-lg lg:text-xl xl:text-2xl 2xl:text-3xl text-slate-500 hover:text-[var(--brand-teal)] transition-colors duration-200 font-semibold whitespace-nowrap" href="/features">Features</a><a class="text-lg lg:text-xl xl:text-2xl 2xl:text-3xl text-slate-500 hover:text-[var(--brand-teal)] transition-colors duration-200 font-semibold whitespace-nowrap" href="/pricing">Pricing</a><a class="text-lg lg:text-xl xl:text-2xl 2xl:text-3xl text-slate-500 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rgba(42,138,129,0.04) 100%)"><div class="pointer-events-none absolute inset-0" style="background:radial-gradient(ellipse 70% 50% at 50% 40%, rgba(23,97,98,0.05) 0%, transparent 70%)"></div><div class="relative z-10" style="padding-left:4%;padding-right:4%;padding-top:6.5rem;padding-bottom:2.5rem"><div style="text-align:center"><h1 class="font-extrabold text-[var(--brand-navy)]" style="font-family:var(--font-display);font-size:clamp(1.45rem, 5.2vw, 1.85rem);line-height:0.92;margin-bottom:14px;letter-spacing:-0.03em;opacity:0;transform:translateY(16px)">How Susu Works</h1><p class="font-semibold text-[var(--brand-teal)]" style="font-size:1.15rem;margin-bottom:14px;opacity:0;transform:translateY(12px)">From circle to payout in five steps</p><p class="text-slate-500 mx-auto" style="font-size:0.92rem;line-height:1.6;max-width:38ch;margin-bottom:20px;opacity:0;transform:translateY(12px)">Set up a circle, invite your people, and start saving together.</p><div style="display:flex;gap:8px;flex-wrap:wrap;justify-content:center;opacity:0"><span class="inline-flex items-center gap-2 rounded-full font-semibold" style="padding:5px 12px;font-size:0.82rem;background-color:rgba(227,124,8,0.07);color:#E37C08;border:1px solid rgba(227,124,8,0.12)"><span style="width:5px;height:5px;border-radius:50%;background-color:#E37C08"></span>Rotating</span><span class="inline-flex items-center gap-2 rounded-full font-semibold" style="padding:5px 12px;font-size:0.82rem;background-color:rgba(23,97,98,0.07);color:#176162;border:1px solid rgba(23,97,98,0.12)"><span style="width:5px;height:5px;border-radius:50%;background-color:#176162"></span>Target</span><span class="inline-flex items-center gap-2 rounded-full font-semibold" style="padding:5px 12px;font-size:0.82rem;background-color:rgba(223,169,27,0.07);color:#DFA91B;border:1px solid rgba(223,169,27,0.12)"><span style="width:5px;height:5px;border-radius:50%;background-color:#DFA91B"></span>Community</span></div><div style="margin-top:24px;margin-bottom:-2.5rem;opacity:0;transform:translateY(20px)"><img alt="Woman smiling at her phone after receiving an $8,000 payout from Susu" width="1456" height="816" decoding="async" data-nimg="1" style="color:transparent;width:85%;height:auto;margin:0 auto;display:block" sizes="90vw" srcSet="/_next/image?url=%2Fimages%2Fsusu-payout-notification-hero.webp&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fsusu-payout-notification-hero.webp&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fsusu-payout-notification-hero.webp&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fsusu-payout-notification-hero.webp&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fsusu-payout-notification-hero.webp&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fsusu-payout-notification-hero.webp&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fsusu-payout-notification-hero.webp&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fsusu-payout-notification-hero.webp&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fsusu-payout-notification-hero.webp&w=3840&q=75"/></div></div></div></section><section class="bg-[var(--brand-cream)]" style="padding-top:2.5rem;padding-bottom:2.5rem"><div style="padding-left:6%;padding-right:6%"><div style="display:flex;flex-direction:column;gap:24px;max-width:100%;margin:0 auto"><div style="background:white;border-radius:20px;border:1px solid rgba(0,0,0,0.05);box-shadow:0 8px 40px rgba(15,23,42,0.08), 0 2px 8px rgba(15,23,42,0.04);overflow:hidden;opacity:0;transform:translateY(60px) scale(0.95)"><div style="display:grid;grid-template-columns:1fr"><div style="order:1"><div style="background:rgba(227,124,8, 0.05);padding:20px 8px;display:flex;align-items:center;justify-content:center;min-height:260px"><img alt="Choose your circle type" loading="lazy" width="520" height="924" decoding="async" data-nimg="1" style="color:transparent;width:90%;height:auto;object-fit:contain;border-radius:16px;
1min-width:200px" sizes="70vw" srcSet="/_next/image?url=%2Fimages%2Fsusu-choose-circle-type.jpg&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fsusu-choose-circle-type.jpg&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fsusu-choose-circle-type.jpg&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fsusu-choose-circle-type.jpg&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fsusu-choose-circle-type.jpg&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fsusu-choose-circle-type.jpg&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fsusu-choose-circle-type.jpg&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fsusu-choose-circle-type.jpg&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fsusu-choose-circle-type.jpg&w=3840&q=75"/></div></div><div style="order:2;padding:20px 24px;display:flex;flex-direction:column;justify-content:center;background:rgba(227,124,8, 0.04)"><h2 class="font-extrabold text-[var(--brand-navy)]" style="font-family:var(--font-display);font-size:1.35rem;line-height:1.05;margin-bottom:14px"><span style="color:rgba(227,124,8, 0.85);margin-right:6px">1<!-- -->.</span> <!-- -->Choose your circle type</h2><p class="text-slate-600" style="font-size:1.1rem;line-height:1.72">Susu has three ways to save. Rotating circles give each member a lump-sum payout in turn. Target savings pools money toward a shared goal. Community funds collect contributions for ongoing support. Pick the one that fits your group.</p></div></div></div><div style="background:white;border-radius:20px;border:1px solid rgba(0,0,0,0.05);box-shadow:0 8px 40px rgba(15,23,42,0.08), 0 2px 8px rgba(15,23,42,0.04);overflow:hidden;opacity:0;transform:translateY(60px) scale(0.95)"><div style="display:grid;grid-template-columns:1fr"><div style="order:1"><div style="background:rgba(23,97,98, 0.05);padding:20px 8px;display:flex;align-items:center;justify-content:center;min-height:260px"><img alt="Set your rules" loading="lazy" width="520" height="924" decoding="async" data-nimg="1" style="color:transparent;width:90%;height:auto;object-fit:contain;border-radius:16px;
1min-width:200px" sizes="70vw" srcSet="/_next/image?url=%2Fimages%2Fsusu-review-circle-rules.jpg&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fsusu-review-circle-rules.jpg&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fsusu-review-circle-rules.jpg&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fsusu-review-circle-rules.jpg&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fsusu-review-circle-rules.jpg&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fsusu-review-circle-rules.jpg&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fsusu-review-circle-rules.jpg&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fsusu-review-circle-rules.jpg&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fsusu-review-circle-rules.jpg&w=3840&q=75"/></div></div><div style="order:2;padding:20px 24px;display:flex;flex-direction:column;justify-content:center;background:rgba(23,97,98, 0.04)"><h2 class="font-extrabold text-[var(--brand-navy)]" style="font-family:var(--font-display);font-size:1.35rem;line-height:1.05;margin-bottom:14px"><span style="color:rgba(23,97,98, 0.85);margin-right:6px">2<!-- -->.</span> <!-- -->Set your rules</h2><p class="text-slate-600" style="font-size:1.1rem;line-height:1.72">Decide how much each member contributes, how often (weekly, biweekly, or monthly), and how many people are in the circle. For rotating circles, set the payout order. For target savings, set the goal amount. Everyone sees the same numbers.</p></div></div></div><div style="background:white;border-radius:20px;border:1px solid rgba(0,0,0,0.05);box-shadow:0 8px 40px rgba(15,23,42,0.08), 0 2px 8px rgba(15,23,42,0.04);overflow:hidden;opacity:0;transform:translateY(60px) scale(0.95)"><div style="display:grid;grid-template-columns:1fr"><div style="order:1"><div style="background:rgba(223,169,27, 0.05);padding:20px 8px;display:flex;align-items:center;justify-content:center;min-height:260px"><img alt="Invite your people" loading="lazy" width="520" height="924" decoding="async" data-nimg="1" style="color:transparent;width:90%;height:auto;object-fit:contain;border-radius:16px;
1min-width:200px" sizes="70vw" srcSet="/_next/image?url=%2Fimages%2Fsusu-invite-share-link.png&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fsusu-invite-share-link.png&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fsusu-invite-share-link.png&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fsusu-invite-share-link.png&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fsusu-invite-share-link.png&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fsusu-invite-share-link.png&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fsusu-invite-share-link.png&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fsusu-invite-share-link.png&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fsusu-invite-share-link.png&w=3840&q=75"/></div></div><div style="order:2;padding:20px 24px;display:flex;flex-direction:column;justify-content:center;background:rgba(223,169,27, 0.04)"><h2 class="font-extrabold text-[var(--brand-navy)]" style="font-family:var(--font-display);font-size:1.35rem;line-height:1.05;margin-bottom:14px"><span style="color:rgba(223,169,27, 0.85);margin-right:6px">3<!-- -->.</span> <!-- -->Invite your people</h2><p class="text-slate-600" style="font-size:1.1rem;line-height:1.72">Share a link with the friends, family, or community members you want to save with. They join through the app and can see the circle details before committing. No more chasing people in group chats.</p></div></div></div><div style="background:white;border-radius:20px;border:1px solid rgba(0,0,0,0.05);box-shadow:0 8px 40px rgba(15,23,42,0.08), 0 2px 8px rgba(15,23,42,0.04);overflow:hidden;opacity:0;transform:translateY(60px) scale(0.95)"><div style="display:grid;grid-template-columns:1fr"><div style="order:1"><div style="background:rgba(42,138,129, 0.05);padding:20px 8px;display:flex;align-items:center;justify-content:center;min-height:260px"><img alt="Start saving together" loading="lazy" width="520" height="924" decoding="async" data-nimg="1" style="color:transparent;width:90%;height:auto;object-fit:contain;border-radius:16px;
1min-width:200px" sizes="70vw" srcSet="/_next/image?url=%2Fimages%2Fsusu-savings-progress-dashboard.jpg&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fsusu-savings-progress-dashboard.jpg&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fsusu-savings-progress-dashboard.jpg&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fsusu-savings-progress-dashboard.jpg&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fsusu-savings-progress-dashboard.jpg&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fsusu-savings-progress-dashboard.jpg&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fsusu-savings-progress-dashboard.jpg&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fsusu-savings-progress-dashboard.jpg&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fsusu-savings-progress-dashboard.jpg&w=3840&q=75"/></div></div><div style="order:2;padding:20px 24px;display:flex;flex-direction:column;justify-content:center;background:rgba(42,138,129, 0.04)"><h2 class="font-extrabold text-[var(--brand-navy)]" style="font-family:var(--font-display);font-size:1.35rem;line-height:1.05;margin-bottom:14px"><span style="color:rgba(42,138,129, 0.85);margin-right:6px">4<!-- -->.</span> <!-- -->Start saving together</h2><p class="text-slate-600" style="font-size:1.1rem;line-height:1.72">Once your circle is active, contributions happen on schedule. Track who has paid, who receives next, and how the circle is progressing from your dashboard. Turn on auto-pay and forget about it.</p></div></div></div><div style="background:white;border-radius:20px;border:1px solid rgba(0,0,0,0.05);box-shadow:0 8px 40px rgba(15,23,42,0.08), 0 2px 8px rgba(15,23,42,0.04);overflow:hidden;opacity:0;transform:translateY(60px) scale(0.95)"><div style="display:grid;grid-template-columns:1fr"><div style="order:1"><div style="background:rgba(227,124,8, 0.05);padding:20px 8px;display:flex;align-items:center;justify-content:center;min-height:260px"><img alt="Receive your funds" loading="lazy" width="520" height="924" decoding="async" data-nimg="1" style="color:transparent;width:90%;height:auto;object-fit:contain;border-radius:16px;
1min-width:200px" sizes="70vw" srcSet="/_next/image?url=%2Fimages%2Fsusu-payout-account-connected.png&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fsusu-payout-account-connected.png&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fsusu-payout-account-connected.png&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fsusu-payout-account-connected.png&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fsusu-payout-account-connected.png&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fsusu-payout-account-connected.png&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fsusu-payout-account-connected.png&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fsusu-payout-account-connected.png&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fsusu-payout-account-connected.png&w=3840&q=75"/></div></div><div style="order:2;padding:20px 24px;display:flex;flex-direction:column;justify-content:center;background:rgba(227,124,8, 0.04)"><h2 class="font-extrabold text-[var(--brand-navy)]" style="font-family:var(--font-display);font-size:1.35rem;line-height:1.05;margin-bottom:14px"><span style="color:rgba(227,124,8, 0.85);margin-right:6px">5<!-- -->.</span> <!-- -->Receive your funds</h2><p class="text-slate-600" style="font-size:1.1rem;line-height:1.72">Rotating circles pay out the full pot to one member each cycle until everyone has had their turn. Target savings distributes funds when the goal is hit. Community funds let organizers send money when the group needs it.</p></div></div></div></div></div></section><section style="padding-top:64px;padding-bottom:64px;background:white"><div style="padding-left:6%;padding-right:6%"><div style="text-align:center;margin-bottom:40px;opacity:0;transform:translateY(20px)"><span class="inline-flex items-center gap-2 rounded-full bg-[var(--brand-teal)]/10 text-[var(--brand-teal)] font-semibold" style="padding:clamp(8px, 0.7vw, 12px) clamp(16px, 1.4vw, 24px);font-size:clamp(0.9rem, 1.2vw, 1.2rem);margin-bottom:20px;display:inline-flex"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-play" aria-hidden="true" style="width:clamp(16px, 1.2vw, 20px);height:clamp(16px, 1.2vw, 20px)"><path d="M5 5a2 2 0 0 1 3.008-1.728l11.997 6.998a2 2 0 0 1 .003 3.458l-12 7A2 2 0 0 1 5 19z"></path></svg>Watch & Learn</span><h2 class="font-extrabold text-[var(--brand-navy)]" style="font-family:var(--font-display);font-size:2rem;margin-bottom:16px">See Susu in Action</h2><p class="text-slate-500 mx-auto" style="font-size:1.1rem;max-width:42ch">Watch how easy it is to start saving with your community in just a few minutes.</p></div><div style="max-width:80%;margin:0 auto;opacity:0;transform:scale(0.97)"><div class="relative aspect-video overflow-hidden shadow-2xl bg-slate-900" style="border-radius:16px"><div class="absolute inset-0"><img src="https://img.youtube.com/vi/3STXicisX9I/maxresdefault.jpg" alt="How Susu Works - Video Thumbnail" class="absolute inset-0 w-full h-full object-cover"/><div class="absolute inset-0 bg-black/20"></div><div class="absolute inset-0 flex items-center justify-center"><div class="flex items-center gap-2 bg-black/50 backdrop-blur-sm rounded-full text-white" style="padding:clamp(8px, 0.7vw, 12px) clamp(16px, 1.4vw, 24px);font-size:clamp(0.9rem, 1.2vw, 1.2rem)"><div class="w-2 h-2 bg-white rounded-full animate-pulse"></div>Video will play when in view</div></div></div></div></div></div></section><section style="padding-top:3.5rem;padding-bottom:3.5rem;background:var(--brand-cream)"><div style="padding-left:6%;padding-right:6%"><div class="text-center" style="margin-bottom:32px;opacity:0;transform:translateY(20px)"><h2 class="font-extrabold text-[var(--brand-navy)]" style="font-family:var(--font-display);font-size:2rem">Your money<!-- -->.<!-- --> <span class="text-[var(--brand-teal)]">Protected.</span></h2></div><div class="rounded-2xl border border-[var(--brand-teal)]/10 overflow-hidden" style="background:linear-gradient(135deg, rgba(23,97,98,0.04) 0%, rgba(250,247,242,0.8) 50%, rgba(23,97,98,0.04) 100%);max-width:100%;margin:0 auto;opacity:0;transform:translateY(20px)"><div><div style="display:grid;grid-template-columns:1fr 1fr"><div class="flex items-center justify-center gap-4" style="padding:16px 12px;border-right:1px solid rgba(23,97,98,0.08);border-bottom:1px solid rgba(23,97,98,0.08)"><div class="flex-shrink-0 rounded-xl flex items-center justify-center" style="width:40px;height:40px;background-color:var(--brand-teal)15"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-shield" aria-hidden="true" style="width:20px;height:20px;color:var(--brand-teal)"><path d="M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z"></path></svg></div><span class="font-bold text-[var(--brand-navy)]" style="font-family:var(--font-display);font-size:clamp(0.65rem, 2.2vw, 0.85rem);white-space:nowrap">Bank-level Security</span></div><div class="flex items-center justify-center gap-4" style="padding:16px 12px;border-bottom:1px solid rgba(23,97,98,0.08)"><div class="flex-shrink-0 rounded-xl flex items-center justify-center" style="width:40px;height:40px;background-color:var(--brand-orange)15"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-shield" aria-hidden="true" style="width:20px;height:20px;color:var(--brand-orange)"><path d="M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z"></path></svg></div><span class="font-bold text-[var(--brand-navy)]" style="font-family:var(--font-display);font-size:clamp(0.65rem, 2.2vw, 0.85rem);white-space:nowrap">End-to-end Encryption</span></div></div><div style="display:flex;justify-content:center"><div class="flex items-center justify-center gap-4" style="padding:16px 12px"><div class="flex-shrink-0 rounded-xl flex items-center justify-center" style="width:40px;height:40px;background-color:var(--brand-gold)15"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-check" aria-hidden="true" style="width:20px;height:20px;color:var(--brand-gold)"><path d="M20 6 9 17l-5-5"></path></svg></div><span class="font-bold text-[var(--brand-navy)]" style="font-family:var(--font-display);font-size:clamp(0.65rem, 2.2vw, 0.85rem);white-space:nowrap">Verified Payouts</span></div></div></div></div><div class="flex items-center justify-center gap-2" style="margin-top:24px;opacity:0"><span class="text-slate-400" style="font-size:1rem">Powered by</span><span class="font-bold text-slate-600" style="font-size:1.15rem">
1Secure payment infrastructure</span></div></div></section><section class="relative overflow-hidden" style="background:linear-gradient(135deg, #1C3B35 0%, #176162 55%, #2A8A81 100%);padding-top:3.5rem;padding-bottom:0"><div class="pointer-events-none absolute inset-0" style="background:radial-gradient(ellipse 60% 60% at 30% 50%, rgba(227,124,8,0.08) 0%, transparent 70%), radial-gradient(ellipse 60% 60% at 70% 50%, rgba(42,138,129,0.08) 0%, transparent 70%)"></div><div style="padding-left:6%;padding-right:6%" class="relative z-10"><div><div class="text-center mb-10" style="opacity:0;transform:translateY(20px)"><h2 class="font-extrabold text-white" style="font-family:var(--font-display);font-size:2rem;margin-bottom:12px">Ready to start your circle?</h2><p class="text-white/70 mx-auto" style="font-size:1.1rem;max-width:32ch">Download Susu and create your first savings circle in minutes.</p></div><div style="display:grid;grid-template-columns:2fr 3fr;gap:1rem;align-items:end"><div style="opacity:0"><div class="flex flex-col sm:flex-row gap-4 xl:gap-5 2xl:gap-6 items-center justify-start"><a href="https://apps.apple.com/us/app/joinsusu/id6756313377" target="_blank" rel="noopener noreferrer" class="cursor-pointer transition-all duration-200 hover:scale-105 hover:-translate-y-0.5 focus:outline-none focus:ring-4 focus:ring-[var(--brand-teal)]/30 rounded-xl xl:rounded-2xl"><img alt="Download on the App Store" loading="lazy" width="220" height="66" decoding="async" data-nimg="1" class="h-20 xl:h-24 2xl:h-28 w-auto drop-shadow-sm hover:drop-shadow-md transition-all" style="color:transparent" sizes="220px" srcSet="/_next/image?url=%2Fimages%2Fapple-store-button.png&w=32&q=75 32w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=48&q=75 48w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=64&q=75 64w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=96&q=75 96w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=128&q=75 128w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=256&q=75 256w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=384&q=75 384w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fapple-store-button.png&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fapple-store-button.png&w=3840&q=75"/></a><a href="https://play.google.com/store/apps/details?id=co.joinsusu.app" target="_blank" rel="noopener noreferrer" class="cursor-pointer transition-all duration-200 hover:scale-105 hover:-translate-y-0.5 focus:outline-none focus:ring-4 focus:ring-[var(--brand-teal)]/30 rounded-xl xl:rounded-2xl"><img alt="Get it on Google Play" loading="lazy" width="220" height="66" decoding="async" data-nimg="1" class="h-20 xl:h-24 2xl:h-28 w-auto drop-shadow-sm hover:drop-shadow-md transition-all" style="color:transparent" sizes="220px" srcSet="/_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=32&q=75 32w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=48&q=75 48w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=64&q=75 64w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=96&q=75 96w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=128&q=75 128w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=256&q=75 256w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=384&q=75 384w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fgoogle-play-button.png&w=3840&q=75"/></a></div></div><div class="flex justify-center items-end" style="opacity:0;transform:translateY(30px)"><img alt="Susu app dashboard" loading="lazy" width="540" height="540" decoding="async" data-nimg="1" class="w-full object-contain" style="color:transparent;max-width:360px" sizes="50vw" srcSet="/_next/image?url=%2Fimages%2Fcta-v2.webp&w=384&q=75 384w, /_next/image?url=%2Fimages%2Fcta-v2.webp&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fcta-v2.webp&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fcta-v2.webp&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fcta-v2.webp&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fcta-v2.webp&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fcta-v2.webp&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fcta-v2.webp&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fcta-v2.webp&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fcta-v2.webp&w=3840&q=75"/></div></div></div></div></section><!--$--><!--/$--></main><footer class="bg-[var(--brand-navy)] text-white"><div style="padding-left:6%;padding-right:6%;padding-top:3rem;padding-bottom:2rem"><div style="display:grid;grid-template-columns:repeat(2, 1fr);gap:32px 24px;margin-bottom:32px"><div style="grid-column:span 2"><a class="inline-flex items-center gap-3" style="margin-bottom:16px;display:inline-flex" href="/"><img alt="JoinSusu" loading="lazy" width="48" height="48" decoding="async" data-nimg="1" class="rounded-full object-cover" style="color:transparent;width:40px;height:40px" srcSet="/_next/image?url=%2Flogo.png&w=48&q=75 1x, 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Grow together.</p><div class="flex" style="gap:10px"><a href="https://instagram.com/joinsusuco" target="_blank" rel="noopener noreferrer" class="rounded-full bg-white/10 hover:bg-[var(--brand-orange)] transition-colors duration-300 flex items-center justify-center" style="width:42px;height:42px" aria-label="Instagram"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-instagram" aria-hidden="true" style="width:22px;height:22px"><rect width="20" height="20" x="2" y="2" rx="5" ry="5"></rect><path d="M16 11.37A4 4 0 1 1 12.63 8 4 4 0 0 1 16 11.37z"></path><line x1="17.5" x2="17.51" y1="6.5" y2="6.5"></line></svg></a><a href="https://tiktok.com/@joinsusuco" target="_blank" rel="noopener noreferrer" class="rounded-full bg-white/10 hover:bg-[var(--brand-orange)] transition-colors duration-300 flex items-center justify-center" style="width:42px;height:42px" aria-label="TikTok"><svg viewBox="-2 -2 28 28" fill="currentColor"><path d="M19.59 6.69a4.83 4.83 0 0 1-3.77-4.25V2h-3.45v13.67a2.89 2.89 0 0 1-5.2 1.74 2.89 2.89 0 0 1 2.31-4.64 2.93 2.93 0 0 1 .88.13V9.4a6.84 6.84 0 0 0-1-.05A6.33 6.33 0 0 0 5 20.1a6.34
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