/ Products / Moistello / How It Works

How It Works

1. 01

   Connect a Stellar Wallet

   Use Freighter, Rabet, xBull, Albedo, WalletConnect, Ledger, or Passkey.

2. 02

   Choose or Create a Circle

   Browse public circles or create a private one. Set contribution amount, frequency, and payout type.

3. 03

   Invite Members or Join

   Public circles are open to anyone meeting the minimum MoiScore. Private circles use invite links.

4. 04

   Contribute Each Cycle

   Submit USDC or XLM per cycle. Smart contracts track every payment on-chain.

5. 05

   Receive Payouts

   When selected (random, fixed, auction, or vote), you receive the total pool minus the 0.5% protocol fee.

6. 06

   Build MoiScore

   Each on-time payment increases your MoiScore. Higher scores unlock better circles and lower fees.