Circles Guide — Urgent2K Docs

What is a Circle?

A Circle is a private community where a trusted group of people can request and give support among themselves — separate from the public marketplace. Think of it as a members-only trust room where everyone already knows and trusts each other.

Inside a Circle you can post support requests, give support support offers to fellow members, run Susu savings cycles, and discuss financial needs in a safe, curated space. Nothing inside a Circle is visible to the wider Urgent2K community.

💡 Circles are free. There's no charge to create or join a Circle. Premium features (invite-only mode, custom branding, unlimited members) are optional add-ons planned for the future.

Roles

Every Circle member has a role that determines what they can do.

Role	Who	What they can do
Sponsor	The person who created the Circle	Everything — approve/reject members, expel members, promote to Elder, edit Circle settings, start Susu cycles, delete posts
Elder	Members promoted by the Sponsor	Create and manage Susu cycles, post and comment — but cannot approve new members or change Circle settings
Member	Regular approved members	Post requests, comment, react, give support support offers, join Susu cycles

Joining a Circle

Public Circles can be discovered and joined by any Urgent2K user. Here's how:

1

Browse Circles

Go to the Circles page from the navigation or Community+ tab. You'll see all public Circles with their member count and description.

2

Find one that fits

Look for a Circle whose focus matches your needs — some are general give supporting communities, others are focused on specific purposes or groups.

3

Send a join request

Click the Circle name to view its profile, then tap "Request to Join". You can include a brief note explaining why you want to join — this helps the sponsor decide.

4

Wait for approval

The Circle sponsor reviews requests. Once approved, you'll get a notification and can access the Circle Room immediately.

Once expelled, you can't rejoin. If a sponsor removes you from a Circle, that decision is permanent. Keep the community spirit positive.

Creating a Circle

Creating a Circle requires a Moneybag give supporter badge or above. This requirement exists to ensure Circle sponsors have demonstrated trustworthiness on the platform before being given moderation responsibilities.

Give Supporter badge tiers (from lowest to highest): Owo → Helper → Hardman → Moneybag → Odogwu → Chairman → Oga. You need at least Moneybag to create a Circle.

1

Go to Circles → Create

From the Circles page, tap "Create a Circle". If you don't meet the badge requirement yet, the button will be disabled.

2

Name and describe your Circle

Give it a clear name and a tagline that tells prospective members what it's for. Good Circles have a clear purpose.

3

Set visibility

Public Circles appear in the discovery list. Private Circles are hidden — members can only join via direct invite (premium feature).

4

Invite members

Once created, share your Circle's link or invite people from your network. You start as the only member; the Circle needs at least a few people to come alive.

The Circle Room

The Circle Room is the main activity feed — a private social board visible only to members. It works like Community+, but everything stays within your group.

Posting a Support Request

Any member can post a support request to the Circle. Tap the text field at the top of the Room to open the composer, then fill in:

Field	What to write
Title	A short summary — e.g. "Need ₦80K for stock purchase"
Body	More context — what you need it for and how you'll repay. Be specific. Circle members know you personally.
Amount	The amount in Naira you're looking for
Purpose	Category: Business, Personal, Education, Medical, Home, Agriculture, or Other

@mention members — Type @ in the body field and start typing a name to tag a specific member. They'll get a notification that they were mentioned in your post.

Giving Support (Give Supporters)

If you're a give supporter and you want to respond to a member's request, tap the 💰 Make Offer button on their post. A modal will open where you set:

Setting	What it means
Interest Rate	Your rate as a percentage. The request supporter repays this on top of the principal.
Frequency	How often they repay — Weekly, Bi-weekly, Monthly, or One-time lump sum
Duration	How many months (for recurring payments)

When you submit, two things happen automatically: your offer is created and held in escrow from your wallet, and a comment is posted on the request with a direct 💰 Apply Now button the request supporter can tap to apply.

What "Apply Now" does: Clicking the button takes the request supporter directly to the public offer page where they apply. Once a give supporter approves their application, funds are disbursed instantly to their wallet and the post is marked ✅ Funded.

Reactions & Comments

Three reactions are available on every post:

🤝

Support

"I support this request" — encouragement without committing funds

❓

Question

"I have a question" — prompts the poster to add more context

💰

Will Offer

For request supporters: "I'd like to offer funds for this" — signals intent. For give supporters: opens the full offer form

Comments work the same as Community+ — type in the comment box under any post, use @ to mention members, and press Enter to submit.

Managing Your Circle (Sponsors)

As a sponsor, the Manage panel gives you full control over membership. Access it via the Settings button in the Circle Room header.

Action	What it does
Approve request	Adds the person as an active member. They get access to the Room immediately.
Reject request	Declines the join request. The person can try again later.
Expel member	Removes them from the Circle permanently. Their active support plans continue normally but they lose Circle access. Cannot be undone.
Promote to Elder	Gives a trusted member Elder role — they can create and run Susu cycles.

Sponsor cannot leave their own Circle. If you want to hand it off, promote someone else to Elder first. Dissolving a Circle with active Susu cycles is blocked until all cycles are completed or cancelled.

FAQ

Can I be in multiple Circles?

Yes — there's no limit on how many Circles you can join or create (subject to badge requirements for creation).

Can non-members see my Circle's posts?

No. Everything posted in the Circle Room is private to members. Public profiles show the Circle exists, but not what's inside.

What happens to my support plans if I'm expelled?

Active support plans continue normally — expulsion only removes your Circle access. Any pending applications to support offers posted in the Circle will also be cancelled.

Can a Circle have multiple Susu cycles running at once?

Yes. A Circle can have any number of active Susu cycles simultaneously.

I don't have the badge to create a Circle yet. How do I get there?

Build your give supporter score by creating support offers, getting them funded, and having request supporters repay on time. You need the Moneybag badge — 180+ give supporter score points.

Can request supporters give support support offers too?

Users with "Both" role can both post requests and give support support offers. The offer modal only appears for users with give supporter or both roles.

Community+ Susu Guide

Circles