Community Savings, Coordinated on Solana
PoolFi is inspired by rotating savings groups (kutu, arisan, hui, susu, ROSCA), where members contribute regularly and take turns receiving the pooled funds. These systems help communities save together, but still rely heavily on personal trust.
PoolFi is designed to use Solana stablecoin smart contract escrow, transparent payout queues, and auditable rules so communities can coordinate savings with less reliance on any single person.
Built on Solana using stablecoins (USDC/USDT). Private MVP. Not yet open to the public.
PoolFi Weekly Pool
Demo Preview
$100
USDC
#5
of 10 participants
$500
Held in pool
3/10
Cycles complete
Next Payout
$1,000 USDC
Queue Position
Week 5 of 10
Smart Contract Escrow
PoolFi is designed so funds are held on-chain by smart contract rules, not controlled by an individual or admin.
Stablecoins Only
No volatile tokens. Early launch uses USDC and USDT on Solana only.
Supplemental Collateral
Members lock collateral as an additional safeguard, helping cover defaults if they occur.
Introducer System
Trusted members vouch for new participants for safer pools.
What is a rotating savings group?
A rotating savings group is a community savings method where members contribute a fixed amount regularly. Each cycle, one member receives the pooled funds. The group continues until every member has received their turn.
Members contribute
Fixed amount on a schedule
Pooled funds rotate
One member receives each cycle
Everyone receives
Until all members get a turn
Different communities know this as kutu, arisan, hui, susu, kootu, or ROSCA.
Rotating Savings Groups Work Until Trust Breaks
Rotating savings groups are simple: everyone contributes on a schedule, and each member takes a turn receiving the pooled amount. They work because communities trust each other, but problems start when payments are late, records are unclear, or someone disappears after receiving an early payout.
Early Recipient Disappears
Someone receives payout early and disappears, leaving the group at a loss.
Organizer Gets Blamed
Organizers get blamed when members delay payment or cause problems.
Manual Tracking Confusion
Manual tracking causes confusion about who paid, who owes, and whose turn is next.
Hard to Trust New Members
New members are hard to trust without knowing their payment history.
Scaling Limits
Groups cannot safely scale beyond close friends and family.
PoolFi Makes Community Savings Easier to Coordinate
PoolFi keeps the social power of traditional savings circles while adding clearer records, smart contract escrow (being implemented on Solana), progressive payout release, and structured default handling.
Clear Pool Records
Members can see contribution status, payout turns, and pool rules in one place.
Smart Contract Escrow
PoolFi is designed to hold funds in on-chain Solana escrow. Payout is intended to be released progressively, not all at once, so the group retains protection throughout the pool cycle.
Structured Default Handling
Late payments and defaults follow predefined rules, reducing guesswork and organizer pressure.
Reputation Tracking
Reliable members can build a payment history across pools over time.
Introducer System
Trusted introducers can help screen new members before they join private pools.
How PoolFi Works
Five simple steps from joining to building your savings reputation
Create or join a private savings pool
Start with trusted members or join through an introducer during private MVP testing.
Agree on contribution amount and payout order
Each pool defines how much members contribute, how often they pay, and when each member receives payout.
Lock collateral as a safeguard
Members lock a collateral deposit as a supplemental safeguard. PoolFi is designed so that smart contract escrow is the primary protection; collateral provides an additional buffer against defaults.
Contribute on schedule
Members contribute stablecoins on schedule. PoolFi tracks payment status and keeps the payout queue clear.
Receive payout in scheduled releases
When it is your turn, PoolFi is designed to release payout progressively as you continue contributing on schedule. A portion is intended to be held in escrow and released over time. This helps protect other members and reduces the risk of early exit.
Join the Private MVP Waitlist
We are looking for the first 100 rotating savings group users, organizers, and community leaders to test PoolFi with small, controlled savings pools during our private MVP.
Weekly and monthly pool formats
USDC or USDT only during early launch
Small pool sizes first
Introducer-based access
Transparent payout queue
Reputation built over time
Introducers Make PoolFi Safer
Every trusted network starts with people. PoolFi uses introducers to help bring in real users, reduce anonymous abuse, and create social accountability.
Introducers invite trusted members
Experienced members can vouch for new participants they personally know.
New wallets receive lower payout priority
Unverified participants start lower in the queue until they build reputation.
Introducer reputation can be affected
If introduced members misbehave, the introducer reputation may be impacted.
Good introducers unlock better pools
Introducers with strong track records may access larger pools over time.
Trust-Minimized Escrow Design
PoolFi is designed so admin and developer cannot arbitrarily move participant funds once smart contract escrow rules are active. Multiple safeguards are layered to reduce the risk of loss from defaults.
Smart Contract Escrow
PoolFi is designed so funds are held in on-chain Solana escrow and payout is released progressively on schedule. Once smart contract escrow rules are active, enforcement is by the contract, not an individual admin.
Supplemental Collateral
Every member locks a collateral deposit as an additional safeguard. If a default occurs, locked collateral is the next line of recovery after retained escrow.
48-Hour Grace Period
Late members get 48 hours to catch up before automatic actions are taken.
Structured Collateral Deduction
After default, collateral is deducted according to protocol rules to cover the missed payment.
Consecutive Default Removal
Two consecutive defaults result in removal from the pool per protocol policy.
Security Reserve Fund
A protocol-wide reserve (funded by fees) covers protocol-level edge cases. Not an insurance product.
New Wallet Queue Position
Unverified wallets join at the end of the base queue. Reputation can improve position by up to 3 slots.
Introducer Accountability
Introducers share accountability for members they bring into pools.
Your Payment History Becomes Your Advantage
Users who complete pools, pay on time, and avoid defaults build a savings reputation. Strong reputation unlocks better pool access and queue priority. PoolFi MVP tracks reputation off-chain while maintaining transparency. Portable on-chain reputation and reduced collateral tiers are planned for a future phase.
Better Pool Access
Strong reputation unlocks access to larger, more established savings pools.
Better Queue Position
Proven contributors may receive up to 3 slots improvement in the payout queue.
Lower Collateral (Future Phase)
In a future phase, high-reputation users may qualify for reduced collateral tiers.
Savings Reputation
Your history is tracked across PoolFi pools. On-chain portability is planned for a future phase.
Complete pools to build trust
Every successfully completed pool adds to your reputation. Consistent contributors earn trust over time.
New wallets start fresh
Without a history, new participants start with lower queue priority. Building reputation unlocks better terms.
Simple Protocol Fee
A sustainable fee structure that rewards introducers, supports pool creators, and maintains protocol security. Only applied when payouts are received.
Protocol Development
Ongoing development, security audits, and ecosystem growth.
Security Reserve
Protocol-wide protection fund for unexpected scenarios and edge cases.
Introducer
Rewards those who bring trustworthy participants into the ecosystem.
Pool Creator
Incentivizes community leaders to create and manage healthy pools.
Aligned with Real Kutu Economics
This fee structure mirrors how successful community savings pools work in practice. Introducers and pool creators are rewarded for bringing trustworthy members and maintaining healthy pools, creating social accountability that scales beyond close friends.
Fees are only applied when a payout is received. No fees on contributions or collateral.
Prototype Preview
This dashboard is a product preview for PoolFi's private MVP. It may show sample data, simulated pool activity, or incomplete protocol flows. PoolFi is not accepting public deposits, withdrawals, or live pool creation at this stage. PoolFi is designed so admin and developer cannot arbitrarily move participant funds once smart contract escrow rules are active.