Composable DeFi ROSCA on Stellar

Save Together,
Earn Together

Community savings circles built on Stellar DeFi building blocks — DeFindex yield on collateral, drand-verified draws, Privy login, and Coridor IDR ramps.

How Sanca Works

A composable ROSCA protocol: create a circle, lock collateral in DeFindex, contribute each cycle, and let on-chain automation settle fair payouts.

Step 1

Create or Join a Pool

Create a new Sanca circle on Stellar or join an existing one with fixed membership, contribution size, and payout cadence.

Step 2

Lock Productive Collateral

When you join, you deposit your full future contributions in USDC as collateral, and the pool routes that capital into a DeFindex yield vault.

Step 3

Contribute and Settle Each Cycle

Each cycle, members contribute USDC while Drand-backed randomness determines a fair payout order and automated settlement advances the pool lifecycle.

Step 4

Monitor Yield and Withdraw

The keeper surfaces APY, vault TVL, and next actions during the run; once all cycles complete, members withdraw remaining collateral in USDC.

Why Choose Sanca

Built by composing Stellar primitives — transparent savings, fair randomness, productive USDC collateral, and automated settlement.

On-Chain Transparency

Pool creation, contributions, settlement, and withdrawals live on Stellar and can be audited directly in-app or on Stellar Expert.

Provably Fair Draws

Drand-backed randomness seeds a pre-shuffled winner schedule for each pool, so every member wins exactly once and no one can tilt the odds.

Yield on Idle Capital

Upfront USDC collateral does not sit dormant. Sanca deposits it into a DeFindex vault while the circle is active.

Non-Custodial Execution

Smart contracts enforce pool rules and hold capital according to code, not a coordinator, company, or custodial backend.

Automated Settlement

An off-chain keeper watches active pools and calls settle_cycle with a fresh drand beacon when each period ends — payouts and yield bonuses run on-chain.

Community First

Designed for real ROSCA behavior with upfront collateral, missed-payment liquidation, automated payouts, and clear withdrawal rules.

Frequently Asked Questions

Find answers to common questions about Sanca's savings circles and keeper flow

What is a Sanca pool?
A Sanca pool is an on-chain rotating savings group (ROSCA) deployed on Stellar. Members deposit their full future contributions in USDC upfront as collateral, contribute each cycle, and the pool coordinates fair payouts while the collateral remains productive.
How do I create a circle?
Connect your wallet, click 'Create Circle', and set max members, contribution per period, and period duration. SancaFactory deploys a new SancaPool; members join by depositing full collateral.
Can I join multiple pools?
Yes. Each SancaPool is an independent Soroban smart contract. As long as you have enough USDC for collateral, you can join several pools with different sizes and durations. Just make sure you can meet all period contributions.
What happens if someone doesn't contribute?
If a member misses a period contribution, the SancaPool contract can liquidate part of their collateral to cover that period. This ensures the pot is fully funded before the draw runs, without relying on manual admin intervention.
How are payouts scheduled?
Each cycle has one payout. Once all members have contributed or been liquidated, the pool settles the cycle and uses the pre-shuffled winner order derived from Drand randomness at pool start to decide who receives the USDC pot plus a share of the yield.
What does the keeper do?
The keeper is an off-chain service that polls all factory pools. When a cycle period ends, it fetches the latest drand beacon and submits settle_cycle so winners receive the pot plus a DeFindex yield bonus.
Is my money secure?
Funds are held directly by Soroban smart contracts (SancaFactory, SancaPool) on Stellar. All logic for joining, contributing, drawing winners, liquidating, and withdrawing is encoded on-chain and tested in Rust. There is no custodial backend—your wallet interacts with contracts directly.
What fees does Sanca charge?
Sanca takes a 10% platform fee on the yield bonus paid to cycle winners (on-chain via platform_fee_bps). Cycle pot principal is untouched. Network fees on testnet are often covered by the relayer.
Can I leave a circle?
Once you join a Sanca pool and the pool becomes full/active, you are locked in until all cycles complete. There is no early exit function in the smart contracts; your collateral can only be withdrawn at the end, minus any amounts that were liquidated to cover missed contributions.

Ready to Start?

Create a community savings circle or join an existing one and let Sanca coordinate productive capital on Stellar.