From zero to your first circle — 5 steps
About 5 minutes. All you need is Telegram, Google, or email — and some USDC to participate.
Sign up
Open roscash.org and sign in one of three ways:
- Telegram — one-tap sign-in, and round and payout notifications start working right away;
- Google — one-tap sign-in with your Google account;
- Email — get a magic link in your inbox, no password needed.
You can install the app on your phone like a regular one: "Add to Home Screen" — it's a PWA, no need to look for a separate app in the stores.
Top up your USDC wallet
Go to Wallet → Deposit. Pick a network and coin: USDT (TON), USDC (Solana), USDT (Tron), or USDT (EVM networks). The app will show the platform's address and the exact amount — send the transfer from your own wallet or an exchange. Inside the Telegram app deposits run on the TON network only; the other networks are available in the web version at roscash.org.
Pick a circle
Go to Circles. Each circle's card has everything you need to decide:
- Type: Auction (discount bidding), Lottery (random winner + jackpot) or Safe (a calm fixed queue);
- Contribution per round and the number of rounds — that's your payment schedule;
- Pool size — how much the round's winner receives;
- Fee and security deposit — no fine-print footnotes.
Join — and understand what gets reserved
The Join button shows the total before you confirm: your full contribution schedule + the refundable security deposit. In short circles the entire cycle amount is reserved up front — that's how each round's pool is guaranteed for everyone. The deposit comes back after the final round completes.
Stick to the schedule — and collect your pool
From here, everything follows the circle's schedule:
- contributions are charged on schedule — Telegram notifications help you keep track;
- in auction circles you can bid a discount if you need the money ahead of your turn;
- on your round you receive the pool to your balance — it shows in History and is available in your wallet;
- after the final round your security deposit comes back — the cycle is closed.
Meanwhile your ROSCA score grows: disciplined members get access to better terms in future circles.
Day-one checklist
- ☐ Signed in via Telegram (notifications work right away)
- ☐ Test deposit of a small amount — credited
- ☐ Read the chosen circle's card: contribution, rounds, deposit, fee
- ☐ Joined my first small circle
- ☐ I understand: no exit mid-cycle, the deposit comes back at the end