AI-Managed DeFi ROSCA on Hedera

Save Together,
Earn Together

Join transparent community savings pools on Hedera. Sanca turns pooled collateral into productive on-chain capital with automated payouts and a Bonzo-style intelligent keeper.

How Sanca Works

Create a savings circle, lock collateral, contribute per cycle, and let Hedera-native automation coordinate payouts and vault management.

Step 1

Create or Join a Pool

Create a new Sanca circle on Hedera 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 Bonzo-style yield path.

Step 3

Contribute and Settle Each Cycle

Each cycle, members contribute USDC while Hedera PRNG 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 for transparent savings coordination, fair randomness, productive capital, and visible keeper intelligence.

On-Chain Transparency

Pool creation, contributions, settlement, and withdrawals live on Hedera and can be audited directly in-app or on explorer links.

Provably Fair Draws

Hedera's on-chain PRNG 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 routes it into a Bonzo-style vault flow 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.

Intelligent Keeper Layer

A volatility-aware keeper monitors vault context, surfaces 30D APY and TVL, and decides when to rebalance or collect fees.

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 Hedera. 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 the key parameters: max members, contribution per period, period duration, and yield bonus split. The SancaFactory contract deploys a new SancaPool, and members then join by depositing their full collateral.
Can I join multiple pools?
Yes. Each SancaPool is an independent smart contract. As long as you have enough USDC and HBAR for gas on Hedera, 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 Hedera PRNG at pool start to decide who receives the USDC pot plus a share of the yield.
What does the keeper do?
The keeper is Sanca's intelligent DeFi operations layer. It monitors vault state, volatility regime, and fee conditions, then decides whether to rebalance, collect fees, or do nothing. The frontend surfaces those decisions, APY, TVL, and transaction history.
Is my money secure?
Funds are held directly by smart contracts (SancaFactory, SancaPool) on Hedera. All logic for joining, contributing, drawing winners, liquidating, and withdrawing is encoded on-chain and tested with Foundry. There is no custodial backend—your wallet interacts with contracts directly.
What fees does Sanca charge?
At the contract level, Sanca does not charge protocol fees on deposits or payouts in this MVP. You only pay Hedera gas fees (HBAR). Frontends or integrations may add their own fees separately.
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 Hedera.