Loading...
Loading...
Digitizing the world's oldest financial system — community savings groups — with smart contracts, AI optimization, and on-chain credit integration.
For thousands of years, communities have pooled money and taken turns receiving the pot. Known as ROSCAs, chit funds, tandas, or susus.
A group of people agree to contribute a fixed amount each period (weekly or monthly).
Each period, one member receives the entire pool. The order is predetermined or bid-based.
Once every member has received a payout, the cycle completes. Members can form a new Circle.
Smart contracts replace trust. AI replaces lottery. On-chain credit replaces exclusion.
No more missed payments. Contributions are automated and enforced by smart contracts. No coordinator needed.
Instead of random or auction-based ordering, AI determines who needs the payout most — based on spending patterns and financial signals.
Circle participation builds your XYLOS credit score. Reliable contributors unlock better loan terms across the protocol.
Form Circles with anyone worldwide. Multi-currency support with automatic FX conversion. No geographic restrictions.
Four simple steps to financial empowerment through community.
Set up a Circle: define contribution amount, frequency, and member count.
Invite trusted members. AI vets each applicant using their XYLOS credit score.
Members contribute on schedule. Smart contracts enforce payments automatically.
AI determines optimal payout order based on need signals, credit scores, and history.
Savings groups are one of the largest and most underserved financial markets in the world.
The largest single market for community savings groups.
Estimated total value moving through informal savings groups globally each year.
Savings groups exist on every continent, under many names: ROSCAs, tandas, susus, chit funds, tontines.
Join the waitlist to be among the first to create and participate in XYLOS Circles.