About Halo Protocol

Building the future of community-powered finance on Solana.

Our Mission

Over 1.4 billion adults worldwide lack access to formal credit systems. Without a credit history, they cannot borrow money, start businesses, or build a financial future. Traditional credit scoring systems exclude those who need them the most.

Halo Protocol changes this by bringing Rotating Savings and Credit Associations (ROSCAs) on-chain. ROSCAs have been used for centuries across Africa, Asia, Latin America, and the Caribbean to help communities save and lend to one another. By combining this time-tested mechanism with Solana smart contracts, we create a transparent, trustless, and programmable savings system available to anyone with a wallet.

Our mission is to make credit accessible for the billions who are underserved by the traditional financial system, using the power of decentralized technology to create a fairer and more inclusive financial world.

How It Works

1

Form a Circle

Create or join a lending circle with 3-10 trusted members. Set contribution amounts in SOL or USDC, choose round frequency, and define payout rules — all enforced by Solana smart contracts.

2

Contribute Each Round

Every member contributes a fixed amount each round. Funds are held in a trustless escrow account on-chain. Each round, one member receives the full pot, rotating until everyone has received a payout.

3

Build Credit On-Chain

Every on-time payment, every completed circle, and every act of reliability is recorded on-chain. Your trust score grows from 0 to 1000, unlocking better circles, lower stake requirements, and more opportunities.

Built on Solana

Halo Protocol is built entirely on the Solana blockchain, taking advantage of its sub-second finality, negligible transaction fees (typically less than $0.01), and high throughput to deliver a seamless user experience.

Our Anchor-based smart contracts handle circle creation, member management, escrow, payouts, trust score calculations, insurance pools, governance, and yield generation — all on-chain and fully verifiable.

Every transaction is transparent, every rule is enforced by code, and every participant can verify the state of the protocol at any time. There is no central authority controlling funds or manipulating scores.

By leveraging Solana Program Library (SPL) tokens, Halo supports both SOL and USDC for contributions and payouts, giving members flexibility in how they participate.

Open Source

All Halo Protocol smart contracts and frontend code are open source and auditable. We believe in building in the open and inviting the community to inspect, contribute, and improve the protocol.

View on GitHub