My grandmother ran a tontine her whole life.
Every month, a group of women pooled their money. Every month, one of them walked away with the full pot. It funded school fees, businesses, weddings, emergencies.
No bank. No credit check. No paperwork.
Just trust.
The problem is β trust fails. Organizers disappear. Members ghost. There's no record, no recourse, no reputation.
That's exactly why I built Moistello.
Moistello is a decentralized savings circle platform on the Stellar blockchain. We digitize what communities have always done β and make it trustless.
Small contracts replace trust:
β Rules are enforced on-chain. Always.
β Late payments trigger automatic penalties
β No-shows get removed, staked collateral gets slashed
β Every payout is transparent and auditable
And we've built MoiScore β an on-chain reputation system that travels with you. Pay on time, build your score (0β1000), unlock bigger circles and better terms.
1.7 billion people are unbanked. Savings circles serve millions of them. We're making those circles safer, smarter, and borderless.
β¨ USDC + XLM support. Near-zero fees. 3-second settlement. Open source (Apache 2.0).
Go to https://t.co/Hv40Xa3zIv and start a circle today.
#FinancialInclusion #Blockchain #Stellar #ROSCA #ChitFund #Tontine #Esusu #Fintech #Web3
While I'm at it.. I must say my best open source AI model so far remains
1. Deepseek v4 pro
2. Minimax 2.7
3. Kimi 2.6
(sorry.. any other thing is trash to me
Today Monday, I'll be making a counter move against the chicken and egg problem I'm in.
I have been stuck in some projects for a while now with to tools that make matters worse and unable to afford better ones. As a result I'll be downing my servers for a while for a strategic move to temporal static apps while increasing domain authority!
Today Monday, I'll be making a counter move against the chicken and egg problem I'm in.
I have been stuck in some projects for a while now with to tools that make matters worse and unable to afford better ones. As a result I'll be downing my servers for a while for a strategic move to temporal static apps while increasing domain authority!
unconciously, I've been very active on the code for a while. Seeing it now just gives me so much joy -- 5 weeks and some days nonstop building. was tough to do this everyday but it kind of became part of me, and an art I really enjoy π.
I'm betting on 6 months though. what do you'all think?
When I was a kid I had only one
dream β travel to a foreign country
for studies and live in an underground.
I didn't care about anything that
followed. The money, feeding, or
anything else. All I knew was that if I
was to ever leave my country, I would survive.