Section 9: FAQs

Do I need crypto experience?

Nope. We’ve designed everything to feel like a regular group savings app — but with the benefits of blockchain under the hood. You don’t need to understand wallets, gas fees, or smart contracts to get started. Local on-ramp agents and community organisers are also available to support you.

Can I lose my money?

Just like any savings system, there are risks. But the protocol is built to reduce them:

• Funds are stored in multi-signature wallets — no one person can access them alone.
• Contributions are transparent and on-chain, so you can always track what’s happening.
• We use battle-tested smart contracts (like Gnosis Safe) to secure funds.
• You only join a Pod with people you trust — not random users.

What happens if someone doesn’t pay or defaults?

In traditional ROSCAs, if someone misses a payment, the group usually steps in — either covering the shortfall temporarily, adjusting future payouts, or settling up with that person at the end of the cycle. Because the group is built on trust, people work it out together.

The protocol keeps this same spirit — but adds a secure digital layer to support it.

Here’s how it works:

Social solutions come first

Each Pod is a group of trusted peers — friends, family, coworkers. If someone falls behind, the group can agree to cover them, extend deadlines, or adjust the payout schedule. You can even remove someone and return their contributions at the end of the cycle.

Built-in tools to manage risk

If things go off track, your Pod can vote to replace inactive or uncooperative members. Multi-sig rules (e.g. 4-out-of-6) mean no one person can block or hijack the funds.

Reputation keeps people honest

Users who stop contributing get flagged on-chain — losing Seeds (reputation points) and future privileges. Good behaviour is rewarded, and unreliable participants gradually lose access.

Technical safeguards protect the funds

All contributions are secured in smart contracts (Gnosis Safe) — so no individual can access the money alone or disappear with the pot.

Future versions may add soft penalties

To keep things fair, the protocol may introduce cooldowns (delayed payouts) or slashing (reputation loss) for users or Pods that underperform — helping reinforce accountability without punishing honest mistakes.

In short: Just like a real-life savings circle, your Pod can respond to issues flexibly and fairly — but now with built-in tools and protections to back you up.

Can I trust my Pod members?

That’s the whole idea. Each Pod should be formed by people who already know and trust each other — friends, family, coworkers, or local community members.

Unlike anonymous DeFi pools or lending platforms, trust here is social and mutual. Everyone’s reputation is on the line.

This is reinforced by the tokenomics: seeds — the points that convert into protocol ownership — are earned through trustworthy behavior that reflects good faith and consistency.

As above, if someone stops contributing, the group can decide how to resolve this including voting to replace them using built-in tools.

Do I have to keep contributing after payout?

Yes. A ROSCA only works if everyone contributes until all members receive their payout. If you stop after yours, you break the cycle and hurt your group.

That said, if things get difficult, your Pod can vote to restructure responsibilities — and the protocol may flag repeat defaulters through the reputation system.

Where challenges arise, Builders can step in to help Pods troubleshoot issues and stay on track.

Are P2P Market Makers trustworthy?

We’ve designed the protocol to make P2P currency conversion as safe and reliable as possible:

• Escrow-backed trades: Funds are held in smart contract escrow — so crypto is only released after the market maker confirms receipt of local currency. This protects both sides.
• Reputation system: Market Makers build public reputation scores over time. You can choose to trade only with those who have strong reviews and a consistent track record.
• Dispute resolution: If something goes wrong, the protocol includes a built-in dispute process. Our founding team will intervene to help resolve issues fairly and quickly.

And importantly, even if there are delays or issues with a local Market Maker, payouts to users are still guaranteed globally — thanks to our liquidity layer, powered by Stakers who ensure timely payouts no matter what.

What happens after I receive my payout?

You continue contributing until your Pod finishes its full cycle.

Once complete, you’ll have the option to:

• Start a new cycle with the same group
• Stake your USDC and earn passive yield as a Staker
• Become a Builder and grow your role in the protocol
• Withdraw your funds or convert into other digital assets or back to FIAT currency via P2P market makers

Will this work in my country?

Most likely, yes. The protocol is designed to be global and permissionless. You’ll just need:

• Internet access
• A small group of trusted peers
• A way to convert your local currency into USDC via our P2P network

If you live in a country with currency volatility, inflation, or banking limits — this might be one of the safest ways to save. Local organisers (Builders) can help onboard you too.

Is KYC required?

Not at this stage. Our goal is to keep early onboarding simple and accessible, so we’ve intentionally designed the protocol to avoid unnecessary friction.

That said, KYC or basic identity verification may be introduced at the point of contemplation — when a user is selected to receive a USDC payout. This is the moment they are entrusted with group funds, making some form of verification reasonable to protect everyone involved.

In the long term, we’re also exploring decentralized identity (DID) tools that can balance security and privacy in a more user-centric way.