A rotating savings circle (ajo, susu, chama) with payouts enforced by contract and trust scores for members.
Folake's market traders run a monthly ajo, but last year a member vanished after collecting. Pot Luck locks each month's contributions, pays the turn automatically, and requires late joiners to post a small bond, while on-time payers build a savings record.
Let any group of people who already trust each other save together without one person carrying the risk, the cash or the blame.
Rotating savings circles (ajo, esusu, susu, chama, tanda) are how millions of traders save and get a lump sum without a bank loan. They run on trust and a cash bag. When a member collects early and disappears, the rest of the circle carries the loss and the organiser's name is damaged.
When your ajo, susu or chama runs on someone else's app, they hold the members, the records and the trust. When you own Pot Luck, the circle runs from your wallet under your group's name, payouts follow a contract nobody can walk away with, and every on-time payment builds a savings record your members keep. You become the trusted organizer, with proof.
10 paying circles in 90 days.
2 applications with circle data.
Verified contract, builder profile, 20 completed cycles.
One submission with a new feature.
Zero hours chasing payments in your circle.
Every member with an on-time badge after one full rotation.
One partner running circles or accepting records.
A case study sent to five teams.
3 paying clients.
Many will not at first. Start with the two or three who already hold USDC, or help members get a simple wallet on a phone. Keep a cash circle running beside it until the onchain one proves itself. Do not push anyone.
That is what the member bond is for: late joiners post a small bond, and missed payments come from it. It reduces the risk; it does not remove it. Choose members you know, and put newer members later in the turn order.
Yes. It deploys from your wallet, with your group's name. DEPLOYR builds and hands it over.
Informal rotating savings is legal in most places, but taking deposits from the public or charging interest can be regulated. Keep circles to people you know, take no interest, and check local rules before you charge an organizer fee or run circles for strangers.
Funds sit in the contract between turns, so a bug or a stablecoin problem is a real risk. Keep circles small, cycles short and contributions an amount members can afford to lose access to for a while.
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.
Retro funding for the quiet helpers: the community nominates who mattered, a pot pays them.
A neighbourhood treasury where proposals unlock only after enough real neighbours physically show up.