Traditional rotating savings and credit associations on blockchain - tandas, pasanakus, and ROSCAs for Latin American communities.

Rotating Pool (ROSCA/Pasanaku)

Bring the centuries-old tradition of community savings to blockchain. Create or join a rotating pool where members contribute regularly and take turns receiving the total pot.

What is a Rotating Pool?

A Rotating Pool is the blockchain version of traditional savings circles known by many names worldwide:

Tanda (Mexico, Central America)
Pasanaku (Bolivia, Peru)
ROSCA (Rotating Savings and Credit Association - global)
Cundina (Peru, Ecuador)
San (Colombia)

How it works:

10 members × $100/month = $1,000 pot
↓
Month 1 → Member A receives $1,000
Month 2 → Member B receives $1,000
Month 3 → Member C receives $1,000
...continues until everyone has received once

Key Features

🤝 Community-driven - Save together with trusted members
🔄 Rotating payouts - Everyone gets their turn
📅 Fixed schedule - Predictable contribution and payout dates
🔒 Blockchain enforced - Smart contracts ensure fairness
📊 Transparent - All contributions and payouts on-chain
🎯 Goal-oriented - Perfect for planned expenses

Why Blockchain ROSCAs?

Traditional ROSCAs rely on trust and social pressure.

KhipuVault adds transparency and enforcement while preserving the community spirit.

Traditional ROSCAs

✅ Strong community bonds
✅ Cultural tradition
❌ Risk of default
❌ No transparency
❌ Requires physical meetings

Blockchain ROSCAs

✅ Keep community bonds
✅ Honor cultural tradition
✅ Smart contract enforcement
✅ Full transparency
✅ Global participation
✅ Automatic distributions

Current Stats

Active Pools

23 rotating pools running

Total Volume

$127,000 MUSD circulating

Successful Rotations

156 completed cycles

Default Rate

0.8% (vs 12% traditional)

Quick Start Guide

What is ROSCA?

Learn about traditional savings circles

How It Works

Technical implementation on KhipuVault

Creating a Pool

Start your own rotating pool

Participating

Join and contribute to pools

Receiving Payout

Claim your turn's distribution

FAQ

Common questions answered

Use Cases

🏠 Home Down Payment

10 friends saving $500/month for 10 months. Each member gets $5,000 for their down payment when it's their turn.

🎓 Education Fund

Parents pooling together for children's education. Rotating schedule matches school enrollment dates.

🚗 Vehicle Purchase

Community members saving for reliable transportation. Monthly contributions of $200-300 build up quickly.

💍 Wedding Expenses

Couples in a community helping each other fund wedding celebrations through structured savings.

🏪 Small Business Capital

Entrepreneurs accessing startup capital without traditional loans. Early recipients can start businesses faster.

Best For

✅ Perfect For:

Latin American community members familiar with tandas/pasanakus
Groups with existing trust relationships
People saving for planned, time-sensitive expenses
Communities wanting blockchain transparency
Remote workers sending remittances home

❌ Not Ideal For:

Solo savers → Use Individual Savings
Flexible withdrawals → Use Community Pools
Lottery-style excitement → Use Prize Pool
Short-term emergency funds
People who can't commit to regular contributions

How KhipuVault Improves ROSCAs

Challenge	Traditional	KhipuVault Solution
Default risk	Social pressure only	Smart contract locks + collateral
Transparency	Trust organizer	On-chain verification
Distance	Must meet in person	Global, remote participation
Record keeping	Manual ledgers	Automatic blockchain records
Payment timing	Manual collection	Automated on schedule
Disputes	Informal resolution	Code-enforced rules

Learn More

Dive deeper into rotating pools:

What is ROSCA? - Cultural and historical context
How It Works - Technical implementation
Creating a Pool - Setup guide
Participating - Joining and contributing
Receiving Payout - Claiming process
FAQ - Common questions

Ready to create your tanda? Start a rotating pool →