The protocol is powered by a set of roles that mirror — and upgrade — the traditional ROSCA dynamics. Each group contributes in a different way to create a decentralised, secure, and self-sustaining ecosystem:
💠 Pods (Social Wallets)
Users form small trust-based groups called Pods, managed through multi-signature wallets. Each Pod makes regular contributions in their local currency, which are converted into USDC and pooled into the protocol. Pods are the heart of the system — they bring capital, discipline, and grassroots participation.
⚒️ Builders (Community Organisers)
Community organisers — called Builders — are the local leaders who bring Pods to life. They help set up group wallets, onboard users (especially those new to crypto), and guide their community through the saving cycle. By making ROSCAs accessible and trustworthy, they’re essential to grassroots adoption. In return, they earn the most Seeds (reputation points), and can grow into Stakers or P2P agents, building a business while helping others save.
💱 P2P Market Makers (On-Ramp Agents)
These are local agents who help convert contributions from fiat (e.g. BRL, NGN, GHS) into USDC. They serve as decentralised fiat on-ramps, earning a small fee per transaction. Their work makes the system accessible to anyone, anywhere. On-ramp agents support local payment methods, meaning users do not always need a bank account or crypto exchange account.
🛡 Stakers (Liquidity Providers)
Stakers stake yield-bearing stablecoin in the protocol. They insure that USDC payouts are made to selected Pods each month by front running these payouts. Their capital backs the system during times of volatility or missed contributions. In return, they earn the underlying DeFi yield, protocol fees paid by Pods, and future governance tokens. Stakers act as ROSCA “guarantors,” but with built-in incentives and transparency.
After a Pod receives its USDC payout, its members can choose to recycle their capital into staking themselves. This creates a natural progression loop: users evolve into stakers, compounding their savings and reinforcing the protocol with their trust and capital. It’s the backbone of the system’s sustainability.