diff --git a/contracts/sorosave/src/contribution.rs b/contracts/sorosave/src/contribution.rs
index 4285c9f..0eb4e59 100644
--- a/contracts/sorosave/src/contribution.rs
+++ b/contracts/sorosave/src/contribution.rs
@@ -2,9 +2,28 @@ use soroban_sdk::{Address, Env};
 
 use crate::errors::ContractError;
 use crate::storage;
-use crate::types::{GroupStatus, RoundInfo};
+use crate::types::{GroupStatus, RoundInfo, SavingsGroup};
+
+fn is_token_accepted(group: &SavingsGroup, token: &Address) -> bool {
+    for accepted_token in group.accepted_tokens.iter() {
+        if accepted_token == token.clone() {
+            return true;
+        }
+    }
+    false
+}
 
 pub fn contribute(env: &Env, member: Address, group_id: u64) -> Result<(), ContractError> {
+    let group = storage::get_group(env, group_id).ok_or(ContractError::GroupNotFound)?;
+    contribute_with_token(env, member, group_id, group.token)
+}
+
+pub fn contribute_with_token(
+    env: &Env,
+    member: Address,
+    group_id: u64,
+    token: Address,
+) -> Result<(), ContractError> {
     member.require_auth();
 
     let group = storage::get_group(env, group_id).ok_or(ContractError::GroupNotFound)?;
@@ -25,6 +44,10 @@ pub fn contribute(env: &Env, member: Address, group_id: u64) -> Result<(), Contr
         return Err(ContractError::NotMember);
     }
 
+    if !is_token_accepted(&group, &token) {
+        return Err(ContractError::InvalidAmount);
+    }
+
     let mut round_info = storage::get_round(env, group_id, group.current_round)
         .ok_or(ContractError::RoundNotActive)?;
 
@@ -38,7 +61,7 @@ pub fn contribute(env: &Env, member: Address, group_id: u64) -> Result<(), Contr
     }
 
     // Transfer tokens from member to this contract
-    let token_client = soroban_sdk::token::Client::new(env, &group.token);
+    let token_client = soroban_sdk::token::Client::new(env, &token);
     token_client.transfer(
         &member,
         &env.current_contract_address(),
@@ -48,6 +71,14 @@ pub fn contribute(env: &Env, member: Address, group_id: u64) -> Result<(), Contr
     // Record contribution
     round_info.contributions.set(member.clone(), true);
     round_info.total_contributed += group.contribution_amount;
+    let token_total = round_info
+        .token_contributions
+        .get(token.clone())
+        .unwrap_or(0)
+        + group.contribution_amount;
+    round_info
+        .token_contributions
+        .set(token.clone(), token_total);
 
     // Check if all members have contributed
     if round_info.contributions.len() == group.members.len() {
@@ -58,7 +89,7 @@ pub fn contribute(env: &Env, member: Address, group_id: u64) -> Result<(), Contr
 
     env.events().publish(
         (crate::symbol_short!("contrib"),),
-        (group_id, member, group.contribution_amount),
+        (group_id, member, token, group.contribution_amount),
     );
 
     Ok(())
diff --git a/contracts/sorosave/src/group.rs b/contracts/sorosave/src/group.rs
index 5033347..1f850da 100644
--- a/contracts/sorosave/src/group.rs
+++ b/contracts/sorosave/src/group.rs
@@ -12,6 +12,48 @@ pub fn create_group(
     contribution_amount: i128,
     cycle_length: u64,
     max_members: u32,
+) -> Result<u64, ContractError> {
+    let mut accepted_tokens = Vec::new(env);
+    accepted_tokens.push_back(token);
+    create_group_with_tokens(
+        env,
+        admin,
+        name,
+        accepted_tokens,
+        contribution_amount,
+        cycle_length,
+        max_members,
+    )
+}
+
+pub fn create_multi_token_group(
+    env: &Env,
+    admin: Address,
+    name: String,
+    accepted_tokens: Vec<Address>,
+    contribution_amount: i128,
+    cycle_length: u64,
+    max_members: u32,
+) -> Result<u64, ContractError> {
+    create_group_with_tokens(
+        env,
+        admin,
+        name,
+        accepted_tokens,
+        contribution_amount,
+        cycle_length,
+        max_members,
+    )
+}
+
+fn create_group_with_tokens(
+    env: &Env,
+    admin: Address,
+    name: String,
+    accepted_tokens: Vec<Address>,
+    contribution_amount: i128,
+    cycle_length: u64,
+    max_members: u32,
 ) -> Result<u64, ContractError> {
     admin.require_auth();
 
@@ -21,6 +63,11 @@ pub fn create_group(
     if max_members < 2 {
         return Err(ContractError::InsufficientMembers);
     }
+    if accepted_tokens.is_empty() {
+        return Err(ContractError::InvalidAmount);
+    }
+
+    let token = accepted_tokens.get(0).unwrap();
 
     let group_id = storage::get_group_counter(env) + 1;
     storage::set_group_counter(env, group_id);
@@ -33,6 +80,7 @@ pub fn create_group(
         name,
         admin: admin.clone(),
         token,
+        accepted_tokens,
         contribution_amount,
         cycle_length,
         max_members,
@@ -150,6 +198,7 @@ pub fn start_group(env: &Env, admin: Address, group_id: u64) -> Result<(), Contr
         round_number: 1,
         recipient: first_recipient,
         contributions: Map::new(env),
+        token_contributions: Map::new(env),
         total_contributed: 0,
         is_complete: false,
         deadline: env.ledger().timestamp() + group.cycle_length,
diff --git a/contracts/sorosave/src/lib.rs b/contracts/sorosave/src/lib.rs
index 454a6ca..ff1ade8 100644
--- a/contracts/sorosave/src/lib.rs
+++ b/contracts/sorosave/src/lib.rs
@@ -49,6 +49,27 @@ impl SoroSaveContract {
         )
     }
 
+    /// Create a savings group that accepts any token in the provided allowlist.
+    pub fn create_multi_token_group(
+        env: Env,
+        admin: Address,
+        name: String,
+        accepted_tokens: Vec<Address>,
+        contribution_amount: i128,
+        cycle_length: u64,
+        max_members: u32,
+    ) -> Result<u64, ContractError> {
+        group::create_multi_token_group(
+            &env,
+            admin,
+            name,
+            accepted_tokens,
+            contribution_amount,
+            cycle_length,
+            max_members,
+        )
+    }
+
     /// Join an existing group that is still forming.
     pub fn join_group(env: Env, member: Address, group_id: u64) -> Result<(), ContractError> {
         group::join_group(&env, member, group_id)
@@ -81,6 +102,16 @@ impl SoroSaveContract {
         contribution::contribute(&env, member, group_id)
     }
 
+    /// Contribute to the current round using an accepted token.
+    pub fn contribute_with_token(
+        env: Env,
+        member: Address,
+        group_id: u64,
+        token: Address,
+    ) -> Result<(), ContractError> {
+        contribution::contribute_with_token(&env, member, group_id, token)
+    }
+
     /// Get the status of a specific round.
     pub fn get_round_status(
         env: Env,
diff --git a/contracts/sorosave/src/payout.rs b/contracts/sorosave/src/payout.rs
index 76ed389..2d2e748 100644
--- a/contracts/sorosave/src/payout.rs
+++ b/contracts/sorosave/src/payout.rs
@@ -18,13 +18,23 @@ pub fn distribute_payout(env: &Env, group_id: u64) -> Result<(), ContractError>
         return Err(ContractError::RoundNotComplete);
     }
 
-    // Transfer the pot to the round's recipient
-    let token_client = soroban_sdk::token::Client::new(env, &group.token);
-    token_client.transfer(
-        &env.current_contract_address(),
-        &round_info.recipient,
-        &round_info.total_contributed,
-    );
+    // Transfer each token pot to the round's recipient.
+    let contract_address = env.current_contract_address();
+    if round_info.token_contributions.is_empty() {
+        let token_client = soroban_sdk::token::Client::new(env, &group.token);
+        token_client.transfer(
+            &contract_address,
+            &round_info.recipient,
+            &round_info.total_contributed,
+        );
+    } else {
+        for (token, amount) in round_info.token_contributions.iter() {
+            if amount > 0 {
+                let token_client = soroban_sdk::token::Client::new(env, &token);
+                token_client.transfer(&contract_address, &round_info.recipient, &amount);
+            }
+        }
+    }
 
     env.events().publish(
         (crate::symbol_short!("payout"),),
@@ -50,6 +60,7 @@ pub fn distribute_payout(env: &Env, group_id: u64) -> Result<(), ContractError>
             round_number: group.current_round,
             recipient: next_recipient,
             contributions: Map::new(env),
+            token_contributions: Map::new(env),
             total_contributed: 0,
             is_complete: false,
             deadline: env.ledger().timestamp() + group.cycle_length,
diff --git a/contracts/sorosave/src/test.rs b/contracts/sorosave/src/test.rs
index f1ac1ef..5d0c24f 100644
--- a/contracts/sorosave/src/test.rs
+++ b/contracts/sorosave/src/test.rs
@@ -1,7 +1,11 @@
-use soroban_sdk::{testutils::Address as _, token::StellarAssetClient, Address, Env, String};
+use soroban_sdk::{
+    testutils::Address as _,
+    token::{Client as TokenClient, StellarAssetClient},
+    Address, Env, String, Vec,
+};
 
 use crate::types::GroupStatus;
-use crate::{SoroSaveContract, SoroSaveContractClient};
+use crate::{ContractError, SoroSaveContract, SoroSaveContractClient};
 
 fn setup_env() -> (Env, Address, SoroSaveContractClient<'static>, Address) {
     let env = Env::default();
@@ -46,6 +50,9 @@ fn test_create_group() {
 
     let group = client.get_group(&group_id);
     assert_eq!(group.admin, admin);
+    assert_eq!(group.token, token);
+    assert_eq!(group.accepted_tokens.len(), 1);
+    assert_eq!(group.accepted_tokens.get(0).unwrap(), token);
     assert_eq!(group.contribution_amount, 1_000_000);
     assert_eq!(group.max_members, 5);
     assert_eq!(group.status, GroupStatus::Forming);
@@ -171,6 +178,117 @@ fn test_member_groups() {
     assert_eq!(groups.get(1).unwrap(), group2);
 }
 
+#[test]
+fn test_multi_token_group_rejects_empty_allowlist() {
+    let (env, admin, client, _) = setup_env();
+    let accepted_tokens = Vec::new(&env);
+
+    assert_eq!(
+        client.try_create_multi_token_group(
+            &admin,
+            &String::from_str(&env, "Empty Token Group"),
+            &accepted_tokens,
+            &1_000_000,
+            &86400,
+            &5,
+        ),
+        Err(Ok(ContractError::InvalidAmount))
+    );
+}
+
+#[test]
+fn test_multi_token_contribution_flow() {
+    let env = Env::default();
+    env.mock_all_auths();
+
+    let admin = Address::generate(&env);
+    let member1 = Address::generate(&env);
+    let contract_id = env.register(SoroSaveContract, (&admin,));
+    let client = SoroSaveContractClient::new(&env, &contract_id);
+
+    let token_a_admin = Address::generate(&env);
+    let token_a_id = env.register_stellar_asset_contract_v2(token_a_admin);
+    let token_a = token_a_id.address();
+    let token_a_sac = StellarAssetClient::new(&env, &token_a);
+    token_a_sac.mint(&admin, &10_000_000);
+
+    let token_b_admin = Address::generate(&env);
+    let token_b_id = env.register_stellar_asset_contract_v2(token_b_admin);
+    let token_b = token_b_id.address();
+    let token_b_sac = StellarAssetClient::new(&env, &token_b);
+    token_b_sac.mint(&member1, &10_000_000);
+
+    let mut accepted_tokens = Vec::new(&env);
+    accepted_tokens.push_back(token_a.clone());
+    accepted_tokens.push_back(token_b.clone());
+
+    let group_id = client.create_multi_token_group(
+        &admin,
+        &String::from_str(&env, "Multi Token Group"),
+        &accepted_tokens,
+        &1_000_000,
+        &86400,
+        &5,
+    );
+    let group = client.get_group(&group_id);
+    assert_eq!(group.token, token_a);
+    assert_eq!(group.accepted_tokens.len(), 2);
+
+    client.join_group(&member1, &group_id);
+    client.start_group(&admin, &group_id);
+
+    client.contribute_with_token(&admin, &group_id, &token_a);
+    client.contribute_with_token(&member1, &group_id, &token_b);
+
+    let round = client.get_round_status(&group_id, &1);
+    assert!(round.is_complete);
+    assert_eq!(round.total_contributed, 2_000_000);
+    assert_eq!(
+        round.token_contributions.get(token_a.clone()).unwrap(),
+        1_000_000
+    );
+    assert_eq!(
+        round.token_contributions.get(token_b.clone()).unwrap(),
+        1_000_000
+    );
+
+    client.distribute_payout(&group_id);
+
+    let token_a_client = TokenClient::new(&env, &token_a);
+    let token_b_client = TokenClient::new(&env, &token_b);
+    assert_eq!(token_a_client.balance(&admin), 10_000_000);
+    assert_eq!(token_b_client.balance(&admin), 1_000_000);
+    assert_eq!(token_b_client.balance(&member1), 9_000_000);
+}
+
+#[test]
+fn test_multi_token_contribution_rejects_unaccepted_token() {
+    let (env, admin, client, token) = setup_env();
+    let member1 = Address::generate(&env);
+    let unaccepted_token_admin = Address::generate(&env);
+    let unaccepted_token_id = env.register_stellar_asset_contract_v2(unaccepted_token_admin);
+    let unaccepted_token = unaccepted_token_id.address();
+
+    let mut accepted_tokens = Vec::new(&env);
+    accepted_tokens.push_back(token);
+
+    let group_id = client.create_multi_token_group(
+        &admin,
+        &String::from_str(&env, "Rejected Token Group"),
+        &accepted_tokens,
+        &1_000_000,
+        &86400,
+        &5,
+    );
+    client.join_group(&member1, &group_id);
+    client.start_group(&admin, &group_id);
+
+    assert_eq!(
+        client.try_contribute_with_token(&admin, &group_id, &unaccepted_token),
+        Err(Ok(ContractError::InvalidAmount))
+    );
+}
+
 #[test]
 fn test_pause_resume_group() {
     let (env, admin, client, token) = setup_env();
diff --git a/contracts/sorosave/src/types.rs b/contracts/sorosave/src/types.rs
index f741099..1d91a5d 100644
--- a/contracts/sorosave/src/types.rs
+++ b/contracts/sorosave/src/types.rs
@@ -19,6 +19,7 @@ pub struct SavingsGroup {
     pub name: String,
     pub admin: Address,
     pub token: Address,
+    pub accepted_tokens: Vec<Address>,
     pub contribution_amount: i128,
     pub cycle_length: u64,
     pub max_members: u32,
@@ -37,6 +38,7 @@ pub struct RoundInfo {
     pub round_number: u32,
     pub recipient: Address,
     pub contributions: Map<Address, bool>,
+    pub token_contributions: Map<Address, i128>,
     pub total_contributed: i128,
     pub is_complete: bool,
     pub deadline: u64,