Brazil, Portuguese-speaking communities
Caixinha and group savings app for Brazil
Nyocte is a free app for caixinhas, consórcios de amigos, and group savings in Brazil. Record contributions, follow the rotation, and keep the record open to every member, in Portuguese.
What it is
What is a caixinha & consórcio de amigos?
Also known as: caixinha, consórcio, vaquinha, poupança em grupo
A caixinha is Brazil's informal group savings pot, run among coworkers, friends, and family: everyone contributes a fixed amount and the total is paid out in rotation, saved for a year-end celebration, or used for a shared goal. Some groups call the rotating version a consórcio de amigos. This is different from a regulated consórcio run by an administradora, which Nyocte does not replace.
The organizer keeps the list in a spreadsheet or a chat group. Nyocte gives every member the same record, keeps the order and the payout history, and adds reminders and votes, with the app available in Portuguese.
On Nyocte
How your caixinha & consórcio de amigos runs on Nyocte.
- 01
Create the group and invite members.
Choose the savings group setup, set the amount and the schedule, and share the invite link or code.
- 02
Record each contribution.
Mark contributions and payouts. Members see their own record; the organizer sees everyone's.
- 03
Decide together.
Vote on the order or the goal, and keep minutes when the group meets.
What you get
The record, the meetings, and the decisions, together.
- 01
A contribution record every member can see, with who paid, when, and what is still outstanding.
- 02
A rotation schedule that shows whose turn is next and what has already been paid out.
- 03
Roles for the chair, treasurer, and secretary, so the right people can record, review, and approve.
- 04
Votes with deadlines and quorum for rule changes, penalties, and new members.
- 05
Fines and reminders for late contributions, configured by the group, with a record of every appeal.
- 06
Group chat, voice notes, and calls so the conversation and the record live in one place.
- 07
Records kept in the group's own currency.
Before you start
የተለመዱ ጥያቄዎች
Is Nyocte free for a caixinha?
Yes. The app is free for every group, with no member limit and no premium tier. Payment processing, where your group chooses to use it, is handled by a payment provider and can carry a fee. Record-keeping, meetings, votes, and chat cost nothing.
Does Nyocte hold the group's money?
No. Nyocte keeps the record. Contributions can still be collected the way your caixinha already collects them: cash at the meeting, bank transfer, or mobile money. Where in-app payments are available, they are processed by a licensed payment provider and Nyocte does not hold funds.
Is the app available in Portuguese?
Yes. Nyocte's app is available in Portuguese, and each member chooses their own language.
Is this a regulated consórcio?
No. Nyocte is a record-keeping and group management app for informal groups. Regulated consórcios are run by licensed administradoras under their own rules.
Make your first move.
Start on your phone, invite your members, and record the next contribution in Nyocte.
Set up your caixinhaRead the contribution checklist →