About SWM FINANCE

Rotational savings has always worked. What has not worked is the record keeping: contributions tracked in notebooks, balances argued over in group chats, and payout turns remembered differently by different people.

SWM exists to fix that part. Every member has a permanent profile and a code. Every group has its own ledger. Every payment received is a credit with a name, a time, a method and a proof attached. Every payout is a debit that someone with authority had to confirm.

We keep member contribution money and SWM charges in separate accounts, because they are separate things. A management charge is our revenue. A contribution is money we are holding on your behalf until your turn. No screen in this system adds those two together.

When something is entered wrongly, we do not quietly edit it. We post a reversal with a reason, and both entries stay in the record. That is slower, and it is the point: a savings platform that can rewrite its own history is not one anyone should trust with their money.