Savings circles.
Get your earnings in advance — no loans, no interest. Just collective trust, with on-chain smart-contract custody on the way.
How it works
Members come together
A group joins a circle and agrees on the contribution amount. Each share is worth $1 USDC.
Contributions form a pool
Every round, all members chip in. Pool = number of shares × number of members.
An auction picks the winner
Members bid (a discount off their payout). Whoever offers the largest discount takes the pool first.
The circle continues
A new round starts after each, until every member has been paid. Then the circle restarts automatically.
Key parameters
$1 USDC per share
Each member share costs $1 USDC. Contribution = number of shares.
full amount upfront
There is no security deposit on ROSCASH circles: you fund the whole cycle when you join, so nothing extra is locked. A deposit appears only if the person creating a circle chooses to require one.
You set the bid
Pick your own discount. The bigger it is, the higher your chance of taking the pool this round. The biggest discount wins.
Auto-restart
After all rounds finish, the circle reopens automatically. No action required — like a bank deposit with auto-renewal.
How the commission is split
Auction circles pay no pool commission — the winner’s discount is the payment, and the platform keeps 30% of it. Fixed-queue and lottery circles pay 10% of the pool, split as below.
* Rates may be adjusted by the platform admin. Live values are always shown in the circle’s details. The 70/30 discount split is a beta-period term: after beta it becomes 50/50, with the platform’s half funding the partner network. Circles already running will not be affected.
Ready to get your earnings in advance?
Join an active circle or create your own.
roscashfinancial circlesBETAA distributed mutual-aid tool. Building trust through collective savings on the blockchain.