Savings Circles Explorer
Browse active and open ROSCA circles deployed on Stellar Testnet
Circle #101
Admin: GBBD4...AGGGH
Circle #102
Admin: GCDK5...STNET
Circle #103
Admin: GXYZ9...VINGS
How Ajo Protocol Works
Digitizing traditional ROSCAs on Stellar Soroban with transparent smart contract mechanics.
1. Create Circle — Admin Setup
Circle creator defines contribution amount in USDC, member limit (e.g. 5 members), and round frequency (e.g. Weekly).
ROSCA Savings Calculator
Simulate your turn payout & local currency returns
Why Build ROSCAs on Ajo Protocol?
Replacing traditional manual ledger tracking with verifiable blockchain primitives.
Soroban Smart Contract Escrow
Funds are held in non-custodial Rust smart contract escrow. Admins cannot withdraw pooled assets outside of settled payouts.
USDC Inflation Resistance
Native USDC stablecoin support prevents local currency inflation and native XLM price volatility from breaking fixed targets.
Instant Stellar Finality
Sub-second transactions with micro-cent gas fees on Stellar network ensure quick contributions and instant round payouts.
Immutable Rotation Order
Payout sequence is locked upon circle start. Rounds advance automatically once all contributions are collected.
Missed Round Protection
If a member misses a round deadline, active contributors can trigger a pro-rata escrow refund and cancel the circle.
Local NGN Rate Contextualization
Real-time USD/NGN rate feed displays estimated Naira equivalents for Nigerian ROSCA participants.