Chit Funds,
Reinvented
Smart contract custody eliminates fraud. On-chain reputation lets you evaluate strangers before pooling money. Join rotating savings groups beyond your immediate circle — safely.
Trustless Custody
Funds locked in Soroban smart contracts. No organizer can run away with the pool. Every USDC transfer is on-chain and verifiable.
Living Reputation
Not a one-time KYC stamp. Every payment, default, and dispute outcome updates a live on-chain score — visible before you join any group.
Dispute Resolution
3-of-5 multi-sig arbitration by vetted community members. Dispute outcomes feed back into reputation, creating accountability loops.
How It Works
Rotating savings are simplified on-chain with minimal friction and maximum security rules.
Get Vouched
An existing member vouches for you, creating a reputation attestation.
Join a Group
Browse groups, check member reputation scores, and join that fits your risk level.
Contribute & Bid
Pay your monthly contribution. Bid for the prize pool — lower bids win.
Receive Payout
The lowest unique bidder receives the full pool. Everyone gets a turn.