The patient earn.
The impatient pay for speed.
ROSCASH — financial circles on Solana. Ten people put in $100 each, every round one person takes the entire pool. Need money now? Take the pool first — offer a discount in the auction. Whoever waits collects their own share plus those discounts on top.
Auction instead of a bank queue.
In classic ROSCA, members take the pool in turn. In ROSCASH the order is decided by the market: whoever is willing to give up more, takes the pool sooner.
All mechanics — in the Knowledge BaseWhy trust strangers?
You don’t have to.
Circle members are strangers from around the world. In classic ROSCA that would be risky. Three mechanisms make trust unnecessary.
How much you’ll earn
Patience pays. You wait your turn — and pocket the discounts from those who rushed.
- Your payout
- $360
- Discount share
- +$90
- Total contributed
- $400
- Yield per cycle (28 d)
- 12.5%
These figures show the average scenario. Real returns depend on participant behavior.
Michael Gogia.
I’m building ROSCASH.
Over 30 years in banking and fintech I’ve gone from running a major banking institution with over $3B in assets (early-2000s dollars) to launching digital payment ecosystems. All that time I saw one thing: millions of people overpay banks and microlenders just for the right to use their own money.
Meanwhile — over 2 billion people already save without banks, through collective circles. It’s a trillion-dollar-a-year market, but fragmented: each community knows only its own circles.
ROSCASH is the first global infrastructure for these circles. On-chain rails and open reputation scoring bring transparency, and a discount auction makes the model work between strangers. You get a financial instrument that used to live only inside one’s own community.
“ROSCASH — a system that returns money to people, not banks.”
roscashfinancial circlesBETAA distributed mutual-aid tool. Building trust through collective savings on the blockchain.