Save together.
Borrow with dignity.
Share the profit.
OneFund is a thrift & credit program owned by its members. Save in shares, borrow at fair rates, and every year the profit comes back to you — not to a bank.
Four steps, one shared fund.
OneFund runs the old Osusu spirit on clear, written rules — so everyone knows exactly how money goes in and how the profit comes out.
Join & get verified
Create your account. A program admin confirms it before you start — so every member is real.
Buy savings books
Pick a share class and pay in by bank. Each payment is verified before it counts toward your savings.
Build points, borrow fairly
Saving earns points that unlock loans. Borrow at a fixed rate, and part of your interest is rebated back to you.
Share the year-end profit
At close, the interest pool — less a small reserve — is shared out by how much each member saved.
Choose how much weight you carry.
A book is a savings share. Bigger books earn more weight and points — and a larger slice of the year-end dividend.
Start here. Steady monthly saving that builds your base.
More weight, more points — for members ready to do more.
The strongest stake: top dividend share and loan access.
Loans that respect you.
Fixed, transparent rates. The more you save, the more you can borrow — and a share of every interest payment is rebated to the borrower.
Built for trust, run in the open.
Bank-coded payments
Savings and loan repayments go by bank transfer with a transaction code, then an admin verifies each one. Nothing counts until it's confirmed.
Real, verified members
Every account is approved by the program before it can save, pay, or borrow. You know who's in the circle with you.
Rules in writing
Rates, points, fees and the share-out formula are fixed and visible. The same rules apply to everyone, every cycle.
Interest rebates
Borrowers get part of their own interest back at year-end. Credit builds the fund without punishing the people who use it.
Owned by members
There are no outside shareholders. The profit belongs to the people who save — it stays in the community.
Track everything
See your savings, points, loan progress and payment status any time, from your own member dashboard.
Your money, your members,
your share of the profit.
Create an account today. Once a program admin verifies you, you can buy your first book and start building toward the year-end share-out.
Paid your registration but can't access your account yet, or have another issue? Open a support ticket — no sign-in needed.