=== CycleSave - ROSCA Engine for WordPress ===
Contributors: ibrahimkh4l33l
Tags: rosca, savings, ajo, esusu, tontine
Requires at least: 6.0
Tested up to: 6.9
Requires PHP: 7.4
Stable tag: 1.0.2
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

ROSCAs for WordPress: run Ajo, Esusu & Tontine groups on your site with transparent contributions and automated payouts.

== Description ==

CycleSave enables community savings groups (ROSCAs) on WordPress. Members pool fixed contributions on a regular schedule, and each round one member receives the full pot, rotating until everyone has collected once and the group is reset for a new cycle.

**Core Features (Free)**

* Full ROSCA engine: groups, rounds, payout rotation, cycle restart
* Stripe payment integration for member contributions
* Admin-initiated payout logging with disbursement records
* Drag-and-drop payout order assignment (admin panel)
* Full payout schedule visible to all members (transparency)
* Immutable audit trail for payout order changes
* WP-Cron automation: reminders, deadline enforcement, cycle progression
* 5 frontend shortcodes: dashboard, group list, join form, payout schedule, group ledger
* Email notifications for all key events


== Installation ==

1. Upload the `cyclesave` folder to `/wp-content/plugins/`
2. Activate the plugin through the **Plugins** menu in WordPress
3. Navigate to **CycleSave > Settings** and add your Stripe API keys
4. Create a savings group under **CycleSave > All Groups**
5. Add `[cyclesave_dashboard]` to a page for members to manage their contributions

== Shortcodes ==

* `[cyclesave_dashboard]` — Member personal dashboard
* `[cyclesave_group_list]` — List of open groups
* `[cyclesave_join_group id="5"]` — Join form for a specific group
* `[cyclesave_payout_schedule id="5"]` — Payout rotation schedule
* `[cyclesave_group_ledger id="5"]` — Contribution and payout history with audit log

== Frequently Asked Questions ==

= What is a ROSCA? =
A Rotating Savings and Credit Association is an informal financial tool where a group of people contribute fixed amounts regularly, and each round one member receives the entire pool. It continues until everyone has received the pot once.

= What payment gateways are supported? =
Stripe is supported in the free version. PayPal and Mollie will be available in CycleSave Pro.

= Is card data stored? =
No. All card processing is handled by Stripe (or Pro gateways) directly. The plugin never stores raw card data.

= How are payouts made? =
The admin initiates the bank transfer manually (via their Stripe dashboard or banking app) and records the transaction reference in the plugin. The pot collector is notified by email.

== Changelog ==

= 1.0.0 =
* Initial release
* Full ROSCA engine
* Stripe payment integration
* REST API
* Email notifications