Features

Everything you need to save together, build credit, and grow your wealth — all powered by Solana smart contracts.

Community-Powered Savings

Lending Circles

Rotating Savings and Credit Associations (ROSCAs) brought on-chain. Members pool funds each round and take turns receiving the pot — automated, transparent, and trustless.

  • Support for 3-10 members per circle
  • Configurable round frequency (weekly, bi-weekly, monthly)
  • SOL and USDC contribution options
  • Automatic payout rotation enforced by smart contracts
  • Circle governance with member voting
  • Insurance pool for defaulting members

On-Chain Credit Reputation

Trust Scoring

Build a verifiable credit reputation scored from 0 to 1000. Your trust score is calculated on-chain based on your actual behavior — not arbitrary algorithms controlled by centralized bureaus.

  • Score range: 0-1000 across four tiers
  • Newcomer (0-249), Silver (250-499), Gold (500-749), Platinum (750-1000)
  • Payment history accounts for 40% of score
  • Circle completion contributes 30%
  • DeFi activity contributes 20%
  • Social proof and referrals contribute 10%

Trustless Fund Management

Secure Escrow

All contributions are held in program-derived escrow accounts on Solana. No single party can access or move funds outside the rules defined in the smart contract.

  • Program-derived addresses (PDAs) for each circle escrow
  • Funds cannot be withdrawn outside of payout rules
  • On-chain verification of every deposit and withdrawal
  • Multi-signature support for high-value circles
  • Automatic refund if a circle fails to form
  • Full audit trail visible on Solana Explorer

Automated DeFi Returns

Yield Generation

Idle pool funds are automatically deployed into vetted DeFi protocols on Solana to generate yield. Returns are distributed proportionally to circle members, boosting savings beyond contributions alone.

  • Automatic deployment of idle escrow funds
  • Integration with Solana DeFi protocols
  • Yield distributed proportionally to all members
  • Risk-managed with configurable yield strategies
  • Real-time yield tracking in your dashboard
  • 0.25% protocol fee on generated yield

Protocol at a Glance

30+

Smart Contract Instructions

0-1000

Score Range

3-10

Members per Circle

<$0.01

Avg Gas Cost