Savings circles.
Get your earnings in advance — no loans, no interest. Just collective trust, protected by a smart contract.
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.
from 10% security deposit
Held when you join a circle. Returned once all rounds complete.
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
The platform takes 10% of the pool. Here’s how it’s allocated.
* Rates may be adjusted by the platform admin. Live values are always shown in the circle’s details.
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.