On-chain ROSCA · Stellar
Savings circles with rules you can trust
RoundChain runs rotating savings circles on Stellar Soroban, with on-chain financial reputation for people who have no traditional credit score.
Why RoundChain
Built for trustless savings
Collateral, reputation, and fair order, enforced by smart contract, not group chat.
Funds locked on-chain
Collateral is locked when you create or join. It returns after the circle completes or a clean exit.
On-chain trust score
Complete circles cleanly to build reputation. Creators can gate larger pools by minimum score.
Fair payout order
Order is shuffled on-chain when the circle starts. Each round, n−1 members pay; the scheduled recipient is exempt.
How it works
From setup to payout
Three on-chain steps, no treasurer, no group-chat drama.
- 01
Create a circle
Set members, contribution, and round length, you're enrolled and deposit collateral on create.
- 02
Invite members
Share a link, others join and deposit collateral. The circle starts automatically when full.
- 03
Run rounds
Contributors pay each period (recipient exempt on their turn). Anyone can release the pot when all obligated members paid.
Platform fee on each payout release: 1% (on-chain)
Member access
Join a circle
Enter the circle ID from your invite link.