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Built for Real Kutu Users

Kutu Without the Rug

PoolFi helps communities create trusted savings pools using USDC or USDT on Solana. Every contribution, payout turn, collateral lock, and default rule is transparent from day one.

Built for kutu, ROSCA, arisan, susu, kootu, workplace pools, family pools, and community savings groups.

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PoolFi Weekly Pool

Active

Week 3 of 10
Weekly Contribution

$100

USDC

Queue Position

#5

of 10 participants

Collateral Locked

$300

3x contribution

Reputation Score

850

Excellent

Next Payout

$1,000 USDC

Queue Position

Week 5 of 10

USDC & USDT Only

No volatile tokens. Early launch uses stablecoins on Solana only.

Collateral Protected

3x contribution locked per member to protect against defaults.

Reputation Tracked

Payment history builds trust and unlocks better pool access.

Introducer System

Trusted members vouch for new participants for safer pools.

Traditional Kutu Works Until Trust Breaks

ROSCA-style savings circles have worked for generations. But they rely on knowing everyone personally, and problems arise when trust fails.

Early Payout Disappears

Someone receives payout early and disappears, leaving the group at a loss.

Organizer Blame

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.

Trusting New Members

New members are hard to trust without knowing their payment history.

Scaling Limits

Groups cannot safely scale beyond close friends and family.

The Solution

PoolFi Automates the Trust Layer

We bring the kutu savings tradition on-chain. Smart contracts handle the trust, so communities can focus on saving together.

Smart Contract Management

Smart contracts manage contributions and payouts automatically.

Collateral Protection

Collateral protects the pool from defaults without hurting other members.

Automatic Enforcement

Late payment rules are enforced automatically, no manual chasing.

Portable Reputation

Reputation follows the user across pools, building trust over time.

Introducer System

Introducers help screen new members before they join your pool.

How PoolFi Works

Five simple steps from joining to building your savings reputation

01

Create or join a pool

Start a new savings pool with friends or join an existing trusted group.

02

Lock required collateral

Lock 3x your contribution as collateral. This protects everyone in the pool.

03

Contribute on schedule

Contribute USDC or USDT weekly or monthly. Smart contracts track every payment.

04

Receive payout on your turn

When your queue position arrives, receive the pooled funds automatically.

05

Complete and build reputation

Finish the cycle and build your on-chain reputation for future pools.

Built First for Real Kutu Users

We are looking for the first 100 active kutu users, organizers, and community leaders to test PoolFi with small, controlled savings pools.

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

Community Trust

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.

Protection Mechanism

Designed Against Rug Risk

Multiple layers of protection keep your savings pool safe from defaults, disappearances, and bad actors.

3x Recurring Contribution Collateral

Every member locks collateral equal to 3 contributions, protecting others from loss.

48-Hour Grace Period

Late members get 48 hours to catch up before automatic actions are taken.

Automatic Collateral Deduction

After default, collateral is automatically used to cover the missed payment.

Consecutive Default Removal

Two consecutive defaults result in automatic removal from the pool.

Treasury and Security Reserve

Forfeited collateral protects the protocol and remaining pool members.

New Wallet Priority Limits

Unverified wallets start lower in the payout queue to reduce risk.

Introducer Accountability

Introducers share accountability for members they bring into pools.

Reputation System

Your Payment History Becomes Your Advantage

Users who complete pools, pay on time, and avoid defaults build a portable savings reputation. Over time, strong reputation may unlock better pool access, better queue priority, and lower collateral requirements.

Better Pool Access

Strong reputation unlocks access to larger, more established savings pools.

Better Queue Priority

Proven contributors receive weighted priority in the payout queue.

Lower Collateral Requirements

Over time, good reputation may reduce required collateral amounts.

Portable Savings Reputation

Your history follows you across all PoolFi pools

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Complete pools to build trust

Every successfully completed pool adds to your on-chain reputation. Consistent contributors earn trust over time.

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New wallets start fresh

Without a history, new participants start with lower queue priority. Building reputation unlocks better terms.

Transparent Pricing

Simple Protocol Fee

5%per payout

A sustainable fee structure that rewards introducers, supports pool creators, and maintains protocol security. Only applied when payouts are received.

1%

Protocol Development

Ongoing development, security audits, and ecosystem growth.

2%

Security Reserve

Protocol-wide protection fund for unexpected scenarios and edge cases.

1%

Introducer

Rewards those who bring trustworthy participants into the ecosystem.

1%

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.

First 100 Users

Help Shape the First PoolFi Beta

If you actively join kutu groups, manage savings pools, or know communities that already use ROSCA-style savings, we want your feedback before public launch.