Across Africa and Latin America, rotating savings circles — ajo, esusu, tontines, juntas — have helped communities reach financial goals for decades.
They work because of trust and discipline, but they also face challenges:
- Funds earn no yield during the cycle
- Manual bookkeeping leads to errors
- High risk of fraud or mismanagement
- Hard to coordinate across distances
- No transparent record of who receives payouts
PoolSave brings this cultural tradition into the digital age using blockchain — adding automation, transparency, and yield generation while keeping the community spirit intact.
PoolSave is a decentralized group-savings platform that upgrades traditional rotating savings with pooled yields and member voting for payout selection.
- Members deposit stablecoins into shared pools
- Funds are deployed into yield-generating strategies
- At the end of each cycle:
- Principal stays intact
- Only the yield is distributed
- Members vote to select the beneficiary
This mirrors traditional systems while improving fairness and efficiency.
- On-chain savings pool
- Automated contribution tracking
- Pooled yield for higher returns
- Member voting to decide who receives yield each cycle
- Fully transparent contribution and payout history
- Optional lock-in periods
- Mobile-first UX for accessibility
Each pool has N members contributing a fixed amount.
Let:
- P = total pooled principal
- r = yield generated in the cycle
Cycle reward:
[ \text{Cycle Reward} = r \times P ]
Members vote on who receives the reward.
The cycle resets, principal remains untouched, and yield continues to compound.
PoolSave is powered by blockchain-based smart contracts that handle:
- Deposits & withdrawals
- Membership logic
- Contribution accounting
- Yield accumulation
- Secure voting & payout execution
A backend monitors on-chain events, while a mobile interface simplifies user onboarding.
- Designing a fair and culturally familiar voting system
- Handling large member pools efficiently
- Making UX simple for non-crypto users
- Ensuring transparency without compromising safety
- Blending cultural finance with decentralized technology
- Designing intuitive mobile-first crypto experiences
- Implementing group coordination logic on-chain
- Supporting financial discipline with contract-enforced rules
PoolSave becomes the global digital version of ajo/esusu/tontines:
- Communities save together
- Trust becomes transparency
- Yield is pooled and distributed fairly
- Members collectively decide beneficiaries
- Saving becomes automated, safe, and rewarding
PoolSave requires:
- Low fees
- Scalability
- High security
- Easy onboarding
- Friendly developer tooling
- Accessible on/off-ramps
Final network selection is TBD, and will be based on user needs across Africa and LATAM.