Install Freighter, create or import a Stellar wallet, and connect. No email or password required.
Set the contribution amount, frequency, member count, and payout type. Or browse public circles.
You and all members contribute USDC or XLM each cycle. Smart contracts track every payment on-chain.
Each cycle, one member gets the full pool. Order: random, fixed, auction, or vote-based.
Every on-time payment builds your MoiScore (0-1000). Higher scores unlock larger circles and better terms.
Smart contract VRF selects payout order. Fair and unpredictable.
Organizer defines payout order upfront. Full transparency.
Members bid discount amounts. Lowest bidder wins, discount shared among all.
Members vote each round on who receives payout. Community-driven.