Moistello
Moistello is a digital savings circles platform that modernizes traditional rotating savings groups (Ajo, Esusu, ROSCA, tontine) for 1.7B+ unbanked adults. A Next.js dashboard drives the experience, a Go backend orchestrates circles and reputation scoring, and Rust smart contracts hold funds in escrow and distribute payouts automatically — sub-cent fees, full transparency, and financial inclusion at scale.
The Problem
Over 1.7 billion adults are unbanked, yet traditional rotating savings circles (Ajo, Esusu, ROSCA, tontines) still run on cash, notebooks and trust placed in a single collector. When records are lost or a collector disappears, members lose everything.
The Solution
Moistello digitizes the circle: a Next.js dashboard for members, a Go backend orchestrating circles and reputation scoring, and Rust smart contracts holding funds in escrow and distributing payouts automatically. Sub-cent fees, full transparency, no single point of failure.
Key Features
Escrow-held funds
Contributions sit in Rust smart contracts — no collector, no cash box, no single point of failure.
Automatic payouts
Payouts are distributed by contract logic on schedule, not by a human deciding who gets paid.
Reputation scoring
Member reliability is scored by the Go backend, building verifiable credit history for the unbanked.
Sub-cent fees
Smart-contract settlement keeps transaction costs a fraction of traditional banking and remittance fees.
Member dashboard
A Next.js dashboard shows circle position, contribution history and upcoming payouts in real time.
Frequently Asked Questions
What is a digital savings circle?+
It is the digital version of Ajo, Esusu, ROSCA or tontine — a group contributes on a schedule and members receive payouts in rotation.
How is my money protected?+
Funds are held in escrow by smart contracts and released only by the circle's payout logic — no individual can withdraw them.
Who is Moistello for?+
Anyone who relies on or wants to start a rotating savings group — especially communities underserved by traditional banking.
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