POLYGON TESTNET · Smart Contracts Live
Trusted by 12,400+ circles worldwide

Digitised Chit Funds on Smart Contract Rails

Turn your trusted ROSCA circle into an automated, transparent savings group. Members pool monthly contributions, a smart contract handles payouts and dispute resolution — no middleman, no defaults, complete trust.

₹2.8Cr
Pooled This Month
4,280
Active Circles
99.2%
On-Time Payout Rate
🌺 Nari Shakti Savings Circle
12 members · ₹2,000/month · Cycle 7 of 12
ACTIVE
7/12
Pool Size₹24,000
Your Contribution₹2,000 ✓
Current RecipientMeena Devi
Your TurnMonth 9
12 Members
😊
⚠️
11/12 paid · 1 overdue
Payout Schedule
MayPriya K.₹24,000PAID ✓
JunMeena Devi₹24,000THIS MONTH
JulAsha R.₹24,000UPCOMING
AugYou₹24,000YOUR TURN!
🏗️ Ghar Nirman Brotherhood
8 members · ₹5,000/month · Cycle 3 of 8 — AUCTION OPEN
BIDDING OPEN
⚡ AUCTION IN PROGRESS — Closes in 14:23:08
Pool: ₹40,000
Lowest bid wins the pool. The discount is shared among all members as dividends.
Current Bids
Rajan P.₹38,500 (3.75% discount)
Vikram S.₹37,200 (7% discount)
3/8
Contribution₹5,000/mo
Your StatusPaid ✓
Dividends Earned₹342
🌱 Tech Workers Tanda
6/10 members joined · ₹3,000/month · Starting Jul 1
FORMING
📣 4 more members needed to launch
6/10
Invite colleagues to join. Circle launches automatically when 10 members confirm.
😊
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🌕 Create New Circle
🤝 Member Trust Scores
😊 You Verified UPI94
👩 Priya K.24 months 97
👨 Rajan P.12 months 88
👩 Meena D.8 months 82
😐 Sanjay K.1 late 61
Trust score built from payment history, UPI frequency, and peer endorsements.
📜 Smart Contract Preview
contract NariShaktiCircle {
mapping(address => bool) paid;
uint cycle = 7;
// Auto-payout on 28th
function payout() external {
// Verify all 12 members paid
transfer(recipient, pool);
}
}
Deployed on Polygon · Gas: ~₹0.02 per payout · Immutable rules
⚖️ Dispute Resolution
Late Payment — Sanjay K.
Payment due Jun 5 not received by Jun 10. Auto-penalty: ₹200 applied via smart contract.
✅ Resolved automatically · Penalty deducted
✓ 0 unresolved disputes in Nari Shakti Circle. Community trust: 94%.