Ujamaa Capital is a network of smart-contract-powered ROSCAs.
Users form Pods: trusted groups that save together in USDC using multi-signature wallets.
Monthly, each pod deposits its funds into a secure, smart-contract-managed vault.
One or more members are then randomly selected via an on-chain lottery to receive the full pot — equal to the amount they would’ve saved over the cycle. Continuing until every member has received their turn.
To guarantee timely and stable payouts, liquidity providers known as Stakers deposit yield-bearing stablecoins into the protocol: earning DeFi yield and protocol fees in return.
As Pods save reliably and Stakers underwrite the system, both earn Seeds — points that build their on-chain reputation and eventually convert into DAO governance tokens.