How It Works
Sign in with Passkey
Use Face ID, fingerprint, or PIN to create your account. No email, no password, no wallet setup needed.
Create or Join a Circle
Set the contribution amount, frequency, member count, and payout type. Your Arc wallet is created automatically when you join.
Contribute Each Cycle
You and all members contribute USDC each cycle. Smart contracts track every payment on-chain.
Receive Your Payout
Each cycle, one member gets the full pool. Order: random, fixed, auction, or vote-based.
Build Your Reputation
Every on-time payment builds your DeoScore (0-1000). Higher scores unlock larger circles and better terms.
Payout Types
Random
Smart contract VRF selects payout order. Fair and unpredictable.
Fixed Order
Organizer defines payout order upfront. Full transparency.
Auction (Chit Fund)
Members bid discount amounts. Lowest bidder wins, discount shared among all.
Vote-Based
Members vote each round on who receives payout. Coming in a future update.