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Money Fellows has over 4.5. million registered customers on its platform; nevertheless, only 7% are month-to-month lively customers. Money Fellows classifies its users as borrowers, savers or planners relying on the place their position is in a ROSCA cycle and once they receive a payout.

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

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