Social Finance Revolution

Accumulate with community
secure

We globalized the traditional culture of solidarity with smart algorithms. Join the vaults that suit your income level and achieve your big goals in turn.

How Does It Work?

You

This Month's Pool

₺50.000

Destination: European Tour

Smart and reliable financial solidarity

We eliminated the trust problem by combining the power of community financing with AI matching and automatic collection

Smart Matching Based on Income Capacity

Ability to pay is the most important criterion when creating safes. Our artificial intelligence-supported algorithm gathers approved users whose monthly payment capacity and income status are similar to yours in the same group. Thus, financial incompatibilities are prevented.

Every user on the platform goes through advanced identity and income verification processes.

Match Analysis

Deniz K.

Monthly Capacity: ₺10,000

98% Compatible

Maria García

Monthly Capacity: €250

95% Compatible

Insufficient Balance

14:00

Collection could not be made from User (AY) main account

Backup Method is Active

The amount was successfully collected from the credit card registered in the system.

End of Card: •••• 4092

Full Protection Against Non-Payment Risk

“What happens if the person who takes their turn stops paying in the following months?” Don't think. If payment cannot be received from the main account of one of the group, the smart collateral and credit score infrastructure in the system is activated immediately. The missing amount is automatically collected from the backup credit or debit cards that the user has previously defined in the system.

Different Countries Common Pool

Participants do not need to be in the same country or the same currency. Set up the cash register in TRY and participants will pay in their local currency. HelmsPay converts the pool with zero margin with real-time exchange rate in the background and reaches the target value completely every month.

Participant (UK)Paid £225

₺

Main Pool₺10,000 Added

Frequently Asked Questions

Details you need to know about the Common Safe system

What exactly is the Common Vault system?

It is a reliable solidarity model where a group of people puts a fixed amount of money into a digital pool at regular intervals and all the money collected is given to a different person in the group each period. It is the digital, global and artificial intelligence-secured version of the traditional savings methods in our culture.

How are groups formed?

If you want, you can create your own closed friend groups that you invite. Or you can join public vaults that are open to everyone. At public cash registers, our system automatically matches you with people who best match your payment capacity by analyzing your income status and confidence score.

What happens if someone in the group doesn't pay?

Participants must define a backup payment method when they enter the system. If the main account cannot be collected when the payment time comes, the amount is automatically debited from the defined credit or debit cards. This way, the pool of next buyers is never short.

How do I withdraw money when it's my turn for the pool?

The pool collected in the month of your turn is instantly transferred to your HelmsPay Digital Wallet. If you wish, you can keep this balance in a different currency in your wallet or withdraw it free of charge to your bank account registered in your name within seconds.

Create your own group now

Achieve your financial goals safely with people from around the world