Class dues, birthday surprises, office welfare, the squad trip. Share one link, everyone pays in, and nobody has to beg anybody.
Ada's surprise birthday
₦0 of ₦100,000
₦45,000 each for the Obudu trip. Simple. Tolu drops her account number and waits.
Can I pay half? Who has paid? Is Dayo still coming? Tolu checks her bank alerts one by one.
₦90,000 from her own pocket so the lodge doesn't cancel. You've been Tolu, or you've watched her stress.
Everyone sees the same pool: who's in, who's paid, how much is left. No account numbers. No screenshots.
Here's a pool from start to finish. Pick what you're collecting for, then scroll and watch it play out.
What are you collecting for?
Dues, trips, gifts and office welfare. Everyone owes the same share, PoolFi keeps count, reminds only the people who haven't paid, and refunds everyone if the goal isn't met.
Your money is held safely until the goal is met. If it isn't met by the deadline, everyone's money is on its way back automatically. Nobody has to ask.
Fill the pool as much as you like, then let the deadline pass.
Three questions. Be honest. Everyone in a pool has a job, and you probably already know yours.
Creating and joining pools costs nothing. PoolFi only earns when your pool pays out: 5% of each payment, and never more than ₦2,500 from any one payment. No subscriptions, no hidden charges.
Try it with your numbers
USDC payments carry a flat 1 USDC network fee. Every fee is shown before anyone pays.
Creating a pool
₦0
Free to create, free to join and free to share. No sign-up or monthly fee.
PoolFi fee
5%per payment
Never more than ₦2,500 from one payment. Taken only when the pool pays out. Cover it yourself, or split it across everyone's share.
Refunds
₦0
If the goal isn't met, everyone gets back every naira they paid. PoolFi takes nothing.
Payouts
₦0
The money goes to any Nigerian bank account with no extra charge from PoolFi.
Can't find yours? Email business@thepoolfi.com or send @thepoolfi a DM.
Yes, PoolFi is live. Create your first pool in about a minute, or open a link someone shared with you.
They tap the link you share, choose how to pay, and they're in. Everyone can check the pool any time to see how full it is and who has paid.
Optional. When creating a pool, the lifeguard can add up to 3 people the group trusts. If a pool has approvers, the payout only goes out when enough of them say yes.
No. Creating a pool, joining one and sharing the link are all free. PoolFi only takes a fee when a pool pays out.
It keeps PoolFi running: holding money safely until the goal is met, processing payments, automatic refunds, reminders, receipts anyone can check, and real people to help when you need it.
You choose when you create the pool. The lifeguard can cover it, or add it to each person's share so the group covers it together and the lifeguard receives the full amount. Either way it's 5% of each payment, and never more than ₦2,500 from one payment.
No hidden ones. Your bank may charge its usual transfer fee when you send money, and USDC payments carry a flat 1 USDC network fee that goes to the blockchain network, not PoolFi. Refunds and payouts cost nothing extra.
By bank transfer in naira, or in USDC from the PoolFi wallet every user gets. Every amount shows the currency you're paying in first, so there are no surprises.
Once the goal is met and any approvers confirm, the money is sent to the lifeguard's bank account, usually within minutes.
Yes. Contributions are held safely in the pool, not in anyone's personal account, until the goal is met. If the pool has approvers, the money only leaves when enough of them confirm the payout. Everyone can see who has paid and when the payout happens.
When the deadline passes and the goal isn't met, everyone's money goes back to them automatically. Nobody has to ask for a refund, and PoolFi takes no fee.
Create your first pool in about a minute. Drop one link in the group chat and watch it fill.