Group finance, AI-optimized
Digitizing the world's oldest financial system — community savings groups — with smart contracts, AI optimization, and on-chain credit integration.
How traditional savings groups work
For thousands of years, communities have pooled money and taken turns receiving the pot. Known as ROSCAs, chit funds, tandas, or susus.
Pool
A group of people agree to contribute a fixed amount each period (weekly or monthly).
Rotate
Each period, one member receives the entire pool. The order is predetermined or bid-based.
Complete
Once every member has received a payout, the cycle completes. Members can form a new Circle.
How KREXUM Circles digitize them
Smart contracts replace trust. AI replaces lottery. On-chain credit replaces exclusion.
Smart contract enforcement
No more missed payments. Contributions are automated and enforced by smart contracts. No coordinator needed.
AI-optimized payouts
Instead of random or auction-based ordering, AI determines who needs the payout most — based on spending patterns and financial signals.
Credit score integration
Circle participation builds your KREXUM credit score. Reliable contributors unlock better loan terms across the protocol.
Global, borderless
Form Circles with anyone worldwide. Multi-currency support with automatic FX conversion. No geographic restrictions.
From creation to payout
Four simple steps to financial empowerment through community.
Create
Set up a Circle: define contribution amount, frequency, and member count.
Invite
Invite trusted members. AI vets each applicant using their KREXUM credit score.
Contribute
Members contribute on schedule. Smart contracts enforce payments automatically.
Payout
AI determines optimal payout order based on need signals, credit scores, and history.
A $500B+ informal market
Savings groups are one of the largest and most underserved financial markets in the world.
The largest single market for community savings groups.
Estimated total value moving through informal savings groups globally each year.
Savings groups exist on every continent, under many names: ROSCAs, tandas, susus, chit funds, tontines.
Start your first Circle
Join the waitlist to be among the first to create and participate in KREXUM Circles.