Embedded Infrastructure for Trusted Savings Circles.
PardnaFi is the B2B API layer behind community finance: create circles, apply group rules, track contribution and payout cycles, and handle penalties and exits - so your platform can launch a savings-circle product without building the workflow engine from scratch.
PardnaFi is being developed. Discuss current evaluation scope with our team; this page does not offer immediate production access.
Request AccessHow a Circle Runs
Create & Configure Circles
Partners set group size, contribution frequency, and penalty rules through a single partner-scoped API.
Track Contributions & Payouts
Automated reminders, on-time tracking, and full payout-cycle visibility for every active circle.
Deliver Lifecycle Events
Discuss supported lifecycle updates and agree delivery, retry and reconciliation expectations.
Privacy-Scoped Data
Partners receive operational circle data - never raw KYC documents, wallet histories, or sensitive member financial details.
Auditable by Design
Review the proposed activity records and available evidence against your audit and recovery requirements.
Partner-Owned Relationship
PardnaFi is B2B2C infrastructure - your platform keeps the customer relationship, we power the workflow behind it.
A Payout Cycle, Delivered as an Event
Illustrative example only. Not a live payment or approved production integration.
{ "event": "payout.completed", "circleId": "cir_8f2a1c93", "cycleNumber": 4, "recipientId": "mem_3b7e9d21", "amount": "250.00", "currency": "GBP"}Answering the Default Risk Question Directly
Agree how missed contributions and possible losses should be handled.
Missed contributions
Plan for Exceptions and Losses
A missed contribution can create a shortfall. Group rules may describe reminders, delays or other responses, but software cannot guarantee repayment or protect a provider's balance sheet. Any security-bond proposal needs separate contractual, financial and legal review.
- Agree how missed contributions are recorded and reviewed.
- Explain possible losses and member obligations clearly.
- No default protection, shortfall coverage or liability transfer is promised.