/ Products / Moistello
Moistello
Moistello digitizes traditional savings circles (esusu, tontine, chit fund) using Soroban smart contracts on Stellar. Members contribute USDC/XLM regularly, receiving periodic payouts based on programmed rules.
Problem
1.7 billion unbanked adults with no access to savings, credit, or financial reputation.
Solution
Trustless, decentralized ROSCA platform. Smart contracts enforce rules, handle payouts, and track reputation.
Revenue Model
0.5% protocol fee on all payouts. Stellar network fees sub $0.001 per transaction.
Technology
Rust/Soroban smart contracts, Go backend, Next.js frontend, Stellar blockchain.
Circle Types
Public
Anyone meeting minimum MoiScore can join. Permissionless.
Private
Invite-only via link or code. Restricted access.
Community
Token-gated (DAO or token holder only). Multi-sig.
Premium
Higher limits, priority support, collateralized. Permissioned.
Payout Modes
Random
VRF selects recipient. Provably fair.
Fixed Order
Pre-defined sequential distribution.
Auction
Members bid discount. Winner gets pool minus discount.
Vote-Based
Community votes recipient each round.