Gam'eya, tanda, kameti, arisan: people who know each other, a fixed amount, a turn each. Shellati writes down the agreement, the order and every "paid" and "received" — and never touches the money.
Egypt calls it a gam'eya, Mexico a tanda, Pakistan a kameti, Indonesia an arisan. The same idea for centuries: people who know each other pool money and take it in turns. Shellati keeps the record for all of them — each circle picks its own words, currency and pay day.
It works the way a gam'eya always has. The app only makes sure the agreement, the order and the payments are written down where everyone can see them.
Set the amount, the months and the pay day. Send a link to people you know. Everyone in the circle says whether they know each newcomer — nobody joins on a stranger's word.
Each member picks three preferred months. Reputation picks first, ties by a recorded lottery, and everyone sees exactly why they got their month. Then one contract, signed by all.
Cash, InstaPay, Vodafone Cash — whatever you use. The payer taps "I paid", the receiver taps "received". Late is late, on time is on time, and it goes on your record.
Same ledger, same reputation. Different rules for different occasions.
| Gam'eya | Pool | Help case | |
|---|---|---|---|
| Good for | A wedding, a car, school fees, an apartment. | A trip, a group gift, a farewell. | Someone you know who needs money now. |
| How it works | Everyone pays monthly, one takes the pot, in an agreed order. | Everyone chips in once by a deadline. | You pledge, then you may pass it on to people you know. Three hops, fifty people at most. |
| Contract | Yes, signed by every member before the first month. | No. The pledges are the agreement. | No. Pledges can go up, never down. |
| Who sees amounts | Everyone — it is the same for all. | The organizer. Others see names. | The organizer. Others see names and the total. |
| Cost | Free while we build. No fees on money, ever. | Free. | Always free. |
A gam'eya works because everyone knows someone in it. Shellati keeps that rule and adds a memory.
When someone new joins, each member answers one question in private. If anyone says no — or stays silent for two days — the newcomer needs a trusted member to guarantee them.
If the person you vouched for is late, your own turn moves to the end. If they don't pay, their installment moves to you. One level only — nobody vouches for a guarantor.
"Committed 23 of 24." On time, late, didn't pay — written once a month, visible to any circle that invites you. Someone who left a debt behind can't join a new circle until it's settled.
There is no wallet and no balance. Money moves between members the way it always has — in cash, by InstaPay, by bank transfer. What Shellati keeps is the record:
Kept for five years after the circle closes. Members can open it; a court order gets the contract and the ledger, nothing else.
The walkthrough video goes here.
No. Shellati is a ledger. It never holds, moves or lends money, takes no fee on payments and has no wallet. It records what people who know each other agreed and did.
If they have a guarantor, the installment moves to the guarantor. If not, the organizer chooses — in the open — to split the gap among the rest, to cover it, or to pay out less that month. Either way it is recorded, the debt is recorded, and the person can't join another circle until it is settled.
Only through a link from an existing member, and only if the members say they know them — or a trusted member guarantees them. There is no public directory and no public links.
Only people in a circle with you. Your profile — name, photo, city, reputation — is shown to circles that invite you. Nothing is public.
Yes. Each circle picks a culture pack: what the circle is called, the currency, the usual pay day, how people pay. Egypt, Saudi Arabia, the Emirates, Pakistan and the United States are the first.
Nothing while we build, and never a percentage of the money. Help cases stay free for good.