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million registered customers on its platform; nevertheless, only 7% are monthly lively users. Money Fellows classifies its users as borrowers, savers or planners depending on where their position is in a ROSCA cycle and after they receive a payout.

It prices a one-time service payment of about 6% to users who select its early spots; the proportion decreases down the line and turns to incentivized interest paid to customers at the tip of the cycle.

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