A small group pools a rainy-day fund and votes fast on emergency payouts to members.
Twenty ride-share drivers in Nairobi chip in $5 a month. When Otieno's car breaks down he requests $200, three members approve within an hour, and USDC lands. No insurer, no promised returns, just each other.
Give any small group a rainy day fund it can run itself, quickly and fairly, without an insurer or a single treasurer holding the bag.
Gig drivers, market traders and small crews live one breakdown or hospital bill away from losing a week of income. Formal insurance rarely covers them, chamas and merry go rounds run on trust and a treasurer's notebook, and when money is short it is the treasurer who carries the stress and the suspicion.
Mutual Umbrella lets a small group pool a rainy day fund and vote quickly on emergency payouts to members. Owning it means the groups you serve trust your deployment, not an unknown app, and every contribution and vote is visible onchain. It is not insurance and promises no returns, it is people looking after each other with better tools.
5 paying groups with clear rules and at least one honestly handled payout request within 60 days.
Three applications submitted to grant or accelerator programs, each with live usage numbers, within 30 days. Funding is never guaranteed; the goal is a strong, honest application.
A verified contract deployed from your wallet, a public builder profile linking to it, and at least 25 real transactions from people other than you.
One hackathon entry submitted with a live demo, a two minute video and a clear note on what was built during the event.
Your own group of 5 to 10 people running a pool for 30 days with written rules.
Three public posts and one talk or call where you share your journey owning Mutual Umbrella, with at least one person telling you they started something because of it.
One signed or written partnership with a named organisation using Mutual Umbrella, with a clear split of who does what.
A public case study page on Mutual Umbrella with your role, numbers and lessons, linked from your CV, LinkedIn and builder profile.
Two paid association setups in 60 days.
DEPLOYR deploys it from your wallet. You help groups set up: members, monthly amount, how many approvals a payout needs.
It is a mutual aid pool, not insurance, and you must say so plainly. Rules on pooled funds differ by country. Keep groups small and member run, never promise payouts or returns, and get local advice before running it at scale.
Groups set their own approval rules, like three members must approve. Payouts and votes are public to members. Start with groups who already know each other.
The app deployment is yours and fees route to your wallet. Each group's pool belongs to its members, not to you. That separation is the point.
It can. Groups should set a payout cap and a waiting period for new members. Be honest that the fund only holds what members put in.
Everyone stakes a conviction, encrypted. The chain tallies it without ever seeing a single take. FHE on Base.
Governance by text-sized questions: one decision a week, answered in ten seconds, with real quorum.
Crowdfunding where backers get refunded by contract if the goal or the milestones are missed.
A shared house or club tracks who did the work, and the record becomes everyone's portable reliability score.
Lend the ladder, the drill, the tent: a street library of things with deposits held by contract.
Fund a public good with hours of your skill, not just money, and get matched like a donation.
A rotating savings circle (ajo, susu, chama) with payouts enforced by contract and trust scores for members.
Retro funding for the quiet helpers: the community nominates who mattered, a pot pays them.