KhipuVault Products

KhipuVault offers four distinct savings products, each designed for different financial goals and communities.

All Products at a Glance

Product Comparison

Choose Your Product

🏦 Individual Savings

Perfect if you want:

• Complete control over your funds
• Flexible deposits and withdrawals
• Predictable yields
• Privacy

Use cases:

• Emergency fund building
• Short-term savings goals
• Personal wealth accumulation

Learn more →

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👥 Community Pools

Perfect if you want:

• Save collectively with a group
• Democratic decision-making
• Higher yields through pooling
• Shared financial goals

Use cases:

• Church or nonprofit fundraising
• Family savings goals
• Sports team equipment fund
• Neighborhood projects

Learn more →

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🔄 Rotating Pool (ROSCA)

Perfect if you want:

• Traditional "tanda" or "pasanaku" experience
• Community-based credit access
• No banks, no interest
• Cultural familiarity

Use cases:

• Traditional rotating savings groups
• Community lending circles
• Cultural savings practices (Andean, Mexican, etc.)
• Interest-free group financing

Learn more →

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🎰 Prize Pool

Perfect if you want:

• Excitement of lottery without risk
• Potentially win big prizes
• Keep your principal safe
• Fun savings experience

Use cases:

• Saving with a thrill
• Testing your luck
• Building savings while gaming
• Risk-free gambling alternative

Learn more →

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How to Choose

Not sure which product is right for you? Ask yourself:

1. Are you saving alone or with others?

• Alone → Individual Savings or Prize Pool
• With a group → Community Pools or ROSCA

2. Do you need flexibility?

• Yes → Individual, Community, or Prize Pool
• No (can commit) → ROSCA

3. What's your goal?

• Steady yields → Individual or Community
• Community lending → ROSCA
• Fun + savings → Prize Pool

4. Are you familiar with tandas/pasanakus?

• Yes → ROSCA will feel natural
• No → Start with Individual or Community

Getting Started

FAQ

Can I use multiple products at once?

Yes! You can have pools in all four products simultaneously. Many users diversify across products.

Which product has the highest yields?

Community Pools typically offer the highest yields (15-20% APY) due to larger collective deposits. Individual Savings offers 12-18% APY.

ROSCA has no yields - it's purely social/community credit.

Prize Pool yields vary based on lottery mechanics.

Can I switch between products?

You can't "convert" a pool to another type, but you can:

1. Withdraw from one product
2. Deposit into another product

For ROSCA, you must wait until your payout turn.

Which product is safest?

All products use the same audited smart contracts. Safety is equal across all products.

The difference is liquidity:

• Individual, Community, Prize Pool → Withdraw anytime
• ROSCA → Locked until your turn

Next Steps

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Questions? Check our FAQ or join Discord!