Cooperative savings are groups owned and operated by and for their members/contributors, using pooled funds for the interest and benefits of its member. On Xend Finance, you can be part of a cooperative savings cycle by depositing the amount for one or more stakes. In cooperative savings, one stake might be worth $10, so to contribute in that particular cooperative cycle, you can get a stake for $10, two stakes for $20, and so on. This differs from the Esusu cycle where there is a fixed deposit amount every member/contributor in the cycle has to deposit.