Before joining a Susu
Make sure you can contribute every round. Missing contributions can affect trust history.
Payout clarity
Each member has a payout round. The order should be visible before the cycle starts.
Organizer fee
If an organizer fee exists, it should be disclosed clearly before members join.
What is Susu?
Susu is a rotating savings group — a tradition practised across West Africa and the Caribbean for generations. A group of trusted people each contribute a fixed amount every period, and each round, one person receives the entire pot. This repeats until everyone in the group has received once.
On Urgent2K, Susu lives inside Circles. Your Circle sponsor or an Elder can create a Susu cycle, set the contribution amount and frequency, and add members. The platform handles all the debiting and crediting automatically — no chasing anyone for their contribution.
How it Works
Every Susu cycle follows the same structure:
Fixed contributions
Every member contributes the same fixed amount each round. The amount is set when the cycle is created and never changes.
Round robin payouts
The sponsor assigns a payout order before the cycle starts. Round 1 goes to position 1, round 2 to position 2, and so on until everyone has received once.
Set frequency
Contributions are due on a recurring schedule — Weekly, Bi-weekly, or Monthly. The platform auto-debits your wallet on the due date.
Automatic pot disbursement
The moment all members have contributed for a round, the pot is calculated and sent to that round's recipient automatically. No manual action needed.
No opt-out after receiving
Once you've received your payout, you're committed to the cycle until the end. You must keep contributing for all remaining rounds.
Worked Example
5 members. ₦20,000 contribution per round. Monthly frequency.
Joining a Susu Cycle
The Circle sponsor or Elder adds members to a cycle — you can't self-enrol. If you want to join a cycle, ask your Circle sponsor to add you while the cycle is still in Draft status.
Creating a Susu Cycle (Sponsors & Elders)
From your Circle Room, tap the 🔄 Susu button in the header, then "Start a New Cycle".
| Setting | What it means |
|---|---|
| Name | A label for this cycle — e.g. "January–June Monthly Susu" |
| Contribution Amount | Fixed amount each member pays per round. Minimum ₦500. |
| Frequency | How often contributions are due — Daily, Weekly, Bi-weekly, or Monthly |
| Max Members | Total slots in the cycle. Between 3 and 20. This equals the number of rounds. |
| Start Mode | Manual: you decide when to start. Auto-fill: starts automatically when all slots are filled. |
After creation, add members from your Circle's active member list. You can also set the payout order — drag members into the order you want before starting. Once started, the order is locked.
Making Contributions
You don't need to do anything manually. On the contribution due date, the platform automatically debits your contribution from your Urgent2K wallet.
If you prefer to pay early, open the Susu cycle from your Circle Room and tap Pay Now on your contribution card. A confirmation modal will show exactly how much will be debited before you confirm.
Missing a Contribution
What happens when you miss depends on which round you're in.
Round 1 — No grace period
Round 1 is the most critical. If your wallet doesn't have enough funds when the first contribution runs, you are immediately removed from the cycle — no grace, no retry. The cycle recalculates with the remaining members: fewer rounds, smaller pot, updated payout amounts. Everyone else is notified.
Round 2 and beyond — Grace period applies
Day 0 — Due date
Auto-debit runs. If insufficient balance, your contribution moves to Grace status and you're notified with the deadline.
Days 1–2 — Grace period
You have 48 hours. Top up your wallet and the system will automatically retry. No manual action needed once you have funds.
Day 3 — Grace expired
If still unpaid, the contribution is marked Missed. Your trust score and community score are penalised.
Pay on Behalf (Organizer action)
If a member is in the Grace period and the cycle organizer wants to keep things moving, they can pay that member's contribution from their own wallet. This is called Pay on Behalf.
Organizer's wallet is debited
The full contribution amount is taken from the organizer's wallet immediately. The transaction is logged as "Paid on behalf of [member name]" in their wallet history.
Round proceeds normally
The contribution is marked as paid. If all other members have also paid, the round's payout fires automatically to the recipient.
Credit strike applied
A trust strike is recorded on the missed commitmenting member's account. See the Trust Strikes section below for what this means.
Organizer decides: keep or remove
After paying on behalf, the organizer is shown a prompt to either keep the member in the cycle or remove them. Removing triggers a cycle recalculation for remaining rounds.
Trust Strikes
A trust strike is applied to a member when a cycle organizer pays on their behalf. It's a record that they failed to meet their Susu obligation and someone else had to cover for them.
| Strikes | Consequence |
|---|---|
| 0 strikes | No restriction. Can join any Susu cycle. |
| 1 strike | Blocked from joining any new Susu cycle on the platform. The restriction applies across all Circles. |
Receiving Your Payout
When it's your round, the pot is automatically assembled from all member contributions and sent to your wallet the moment the last contribution clears. You'll receive a notification with the amount and a confirmation that it's landed in your wallet.
The payout appears in your transaction history as Susu Payout and is credited in green — it's money in, not a support plan.
Platform Fee
Urgent2K charges a small percentage fee on each Susu payout. The fee is tiered — the larger the pot, the lower the percentage.
| Pot Size | Fee Rate | Example |
|---|---|---|
| Under ₦100,000 | 3% | ₦50,000 pot → ₦1,500 fee → ₦48,500 received |
| ₦100,000 – ₦499,999 | 2% | ₦200,000 pot → ₦4,000 fee → ₦196,000 received |
| ₦500,000 and above | 1% | ₦1,000,000 pot → ₦10,000 fee → ₦990,000 received |
How Susu Affects Your Scores
Susu behaviour flows into both your community score and your trust score.
| Event | Community Score | Trust Score |
|---|---|---|
| Contribution paid on time | No change | Positive — counted as on-time payment behaviour |
| Contribution in grace period | No change | Soft penalty (−2 pts to payment behavior component) |
| Contribution missed | −10 points | Hard penalty (−5 pts to payment behavior component) |
| Removed on Round 1 failure | −10 points | Hard penalty — same as missed contribution |
| Organizer paid on your behalf | −10 points | Hard penalty + trust strike applied |
Your community score can never go below 0. Credit score penalties accumulate over time, so consistently paying on time is always the best strategy.
FAQ
Can I leave a Susu cycle after joining?
You can leave a draft cycle before it starts. Once the cycle is active, you cannot leave — especially not after you've already received your payout. The commitment is mutual.
What if nobody pays? Does the cycle freeze?
The payout only triggers when all contributions for that round are marked paid. If someone misses, the cycle continues but that round's payout is delayed until everyone has paid or the grace window closes.
Can I be in multiple Susu cycles at once?
Yes. You can be a member of as many cycles as you're added to, including cycles in different Circles.
What if the organizer cancels the cycle?
A cycle can only be cancelled if no payouts have been made yet. If cancelled before it starts, no contributions have been collected so there's nothing to refund.
I received my payout in Round 2. Do I still have to contribute in Rounds 3–5?
Yes. Receiving your payout does not end your obligation. You must keep contributing for every remaining round.
How is the payout order decided?
The Circle sponsor or Elder assigns the payout order before starting the cycle. They can drag and reorder members in any sequence they choose while the cycle is still in Draft.
The organizer paid on my behalf — when does the debt clear?
The debt is automatically cleared the next time you top up your wallet. The complete returnsment goes directly to the organizer's wallet and you'll both receive a notification. You cannot withdraw funds while a Susu debt is outstanding.
Can a trust strike be removed?
Not by you directly. Contact the cycle organizer or Circle sponsor. There is currently no self-service strike removal.
Does Susu count toward my lending record?
No. Susu is a savings mechanism, not a support plan. It doesn't affect your supporter score or support plan history — only your community score and the payment behaviour component of your trust score.