An example of how New Zealanders created their own sort of people's bank without being a bank. The JAK bank in Sweden was the basis for our system, but because of NZ law, we had to be more creative. Savingspools are a group of people who pool their money to help each other eliminate debt. The groups can then join a national group to help each other out over the whole network. An intricate but easy and fair accounting system keeps track of contributions over time.