Name: Mutual Umbrella
Brand: DEPLOYR
Price: 179 USD
Availability: PreOrder

Picture this

Who it is for

Twenty ride-share drivers in Nairobi chip in $5 a month. When Otieno's car breaks down he requests $200, three members approve within an hour, and USDC lands. No insurer, no promised returns, just each other.

Two ways to own it

What you get

Base$179

$45 deposit to reserve

Pool contract, monthly contributions, request flow, tiered approval thresholds, transparent ledger.

You choose: chain
You choose: name and logo
You choose: accent color
You choose: approval tiers
You choose: cap per request

Customfrom $1,300

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

What is new

The mechanic exists in prototypes; a maintained small-group product was not found.

Closest things out there

ChipIn (hackathon), help a fren (open source) and aidDAO prototype group emergency funds with voted payouts; none confirmed live.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Turns relationships into a safety net.

The Regatta Board

Races it can enter

grant · Circle · rolling

Circle Developer Grants

unknown

Official page ↗

USDC mutual aid; eligibility unknown

Their rule on existing code: unknown

grant · Polygon · rolling

Polygon Community Grants

seasonal; current season unknown

Official page ↗

Existing projects OK

Their rule on existing code: Existing projects OK

What you own

The whole app, not a starter kit.

The complete Mutual Umbrella member app: a small group chips in monthly, asks with a photo, votes with their wallets and gets USDC the same hour, with a paywall and a steward agent built in.

Base price · $179

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Three step onboardingHome

Shown once: chip in a little, ask when it rains, rules you chose together.

Next action and pool statusHome

Pool balance, members covered, on time streak and one clear next step.

Umbrella Friday chip in and passHome

Pay the monthly chip in in one tap or use a pass the group allows.

Ask with proof photoAsk

Reason, amount and a photo whose fingerprint goes onchain; live preview of votes needed and what the pool pays.

Live voting and payoutAsk

Group chat, approvals arriving, USDC landing and cash out to mobile money.

Voluntary top up circleAsk

Friends chip in the rest when an ask is over the cap. Gated behind Pool Plus.

Vote on asksVote

Approve or pass with your wallet, waiting period holds with an override vote, quiet repeat photo flags.

Onchain receipts and ledgerPool

What is onchain and what stays with members, payouts list and balance chart.

Yearly pool reportPool

What came in, what went out, who it helped. Gated behind Pool Plus.

Plans, settings and Friday digestMe

Pricing from the owner paywall, M-Pesa cash out, WhatsApp digest (gated), permissions.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue and paywall editorRevenue

MRR, incoming USDC payments, tier names, prices, gates, service fee and payment methods.

Pools and cohortsPools

Every pool, its plan and on time rate, plus monthly cohort retention.

Default pool rulesRules

Chip in, cap, approvals, waiting period, passes, reminder time, chain, snapshots, photo fingerprints, gas.

Steward agent logSteward

What failed and how it adapted, driven by the rules, plus running costs.

Priced roadmapRoadmap

v2 and v3 builds with scope and add-on prices.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Stage launch evenings and referralsPools

Growth loop that starts new pools in a batch, plus chair to chair referrals.

The money path, built in

How it earns for you

Running a pool is free. Chairs pay for Pool Plus per pool, associations pay monthly for many pools, and the owner can set a small service fee on payouts shown on every receipt. Plan money never passes through the pool.

PoolFreeUp to 25 members, asks and votes, ledger, receipts, reminders

Pool Plus$9 a month per poolTop up circles, Friday WhatsApp digest, yearly report, up to 60 members

Association$49 a monthUp to 10 pools, chair dashboard, branded share cards, member transfer between pools

Optional service fee on payouts (0%, 0.5% or 1%) set by the owner. Gas on Celo is under one cent and can be sponsored.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

Stage launch evenings: a chair whose pool paid out brings the next stage over
Payout share card that names the group, not the app
Members invite drivers they trust, with a waiting period that keeps it fair
Chair to chair referrals worth a free month of Pool Plus for both pools
Associations running many pools under one chair

Roadmap · build the next phase with us

Where it goes next

v1 included

The full member app

Phone sign in with embedded wallets
Monthly chip in and Umbrella Friday
Asks with proof photos and tiered votes
Cap, waiting period, top up circle
Ledger, receipts and paywall

Included

Associations and cash out network

Association dashboard across many pools
Off ramp partners in 3 more countries
WhatsApp asks and votes by reply
Member transfer between pools

Add-on from $400

Shared reserve and open pool standard

Pools back each other in a hard month by vote
Open pool rules schema anyone can audit
Yearly report for associations and donors
Matching grants from NGOs into pools

Add-on from $900

For investors and grant reviewers

The pitch, ready

A rainy day fund a small group runs itself: chip in monthly, vote fast, USDC lands the same hour.

Problem: Gig drivers, traders and small crews live one breakdown or hospital bill from losing a week of income. Insurance rarely covers them and group funds run on a treasurer's notebook and trust.

Solution: A shared pool contract with a cap, tiered approvals, a waiting period and photo fingerprints. Members ask, friends approve with their wallets, and a steward agent reminds and tallies but never moves money.

Why now: Phone number wallets, near zero gas on Celo and Base, and USDC to mobile money off ramps make a group fund practical for people who never touch crypto.

Market: Ride share and boda drivers, market traders, church and savings groups, and the associations that organise them across East and West Africa and beyond.

The ask: Pilot partners: one drivers association and one off ramp partner, plus grant funding from public goods and financial inclusion rounds.

Funding is never guaranteed. Check each program's rules.

For hackathons and demo days

Your 2 minute demo

Home: meet Otieno, 34, Nairobi. His clutch died at 7 PM and the pool is his umbrella.
Ask: pick car repair, $200, add the garage quote photo and see the rules preview.
Ask: send it, watch three approvals arrive and USDC land, cashed out to M-Pesa.
Vote: approve Wanjiru's over cap ask, see Brian held by the waiting period and Kevin's repeat photo flagged quietly.
Pool: show the receipt, what is onchain and what stays with members, then the gated yearly report.
Owner Rules: change the cap or waiting period and see the same asks land differently.
Owner Steward: the 6 AM reminder failure and the Friday 7 PM fix.
Owner Revenue and Roadmap: edit the Pool Plus price, preview the Plans sheet, request the v2 build.

Many hackathons require code written at the event. See the Regatta Boardfor each race's rule.

Make it entirely yours

Custom work from $1,000: your own ask categories and rules, an off ramp in your country, SACCO or chama integrations, extra languages, or an association branded deployment. Scoped on a call.

Custom from $1,300

BLUEPRINT

Why it matters and how it really works

The need

Gig drivers, market traders and small crews live one breakdown or hospital bill away from losing a week of income. Formal insurance rarely covers them, chamas and merry go rounds run on trust and a treasurer's notebook, and when money is short it is the treasurer who carries the stress and the suspicion.

What exists and what is new

The mechanic exists in prototypes, not as a maintained product. ChipIn (a hackathon project), help a fren (open source) and the aidDAO prototype all show group emergency funds with voted payouts, and none was confirmed live. Research verdict: rare, medium novelty. What this app adds is the everyday packaging for one small group: tiered approval thresholds, a cap per request, a waiting period for new members, a voluntary top up circle when an ask is over the cap, proof photo hashing against repeat claims, and a steward agent that reminds and tallies but never decides.

The data it runs on

Monthly contributions and payouts in USDC on the chosen chain, member wallets and the membership snapshot taken when each request opens, approval signatures, request amounts and the cap rule used, hashes of proof photos. Reasons, photos and phone numbers stay in group storage visible to members only.

1.The mission

Give any small group a rainy day fund it can run itself, quickly and fairly, without an insurer or a single treasurer holding the bag.

2.Why people can't resist it

Paid within the hour A real ask approved by friends lands as USDC the same evening and cashes out to mobile money. People tell that story at the stage.

Umbrella Friday A one glance weekly check: pool balance, who is covered, your on time streak, and who the pool helped this month.

Rules you chose together Cap, thresholds and waiting period are voted in by the group, so a held request feels like the group's rule, not someone's judgement.

3.How it works for real

Wallets: Members sign in with an embedded wallet (for example Privy) tied to a phone number, so nobody needs a seed phrase. Celo is the default for low fees and mobile money off ramps, with Base or Polygon as options.

Pool contract: A small audited Safe based pool with a module that enforces the cap per request, approval thresholds by amount, the new member waiting period and a membership snapshot per request. Payouts need the configured number of member signatures.

Requests and votes: A request stores amount, reason category and a proof photo hash onchain. Votes are wallet signatures collected offchain and submitted in one transaction when the threshold is met.

Steward agent: A scheduled agent on a small model tier (for example Claude Haiku) sends reminders, tallies votes, flags repeat proof hashes and drafts the Friday digest. It holds no keys that can move funds.

Notifications: WhatsApp or SMS through a messaging API for reminders, requests and payout receipts, with times the group chooses.

Cash out: USDC to local currency through a licensed off ramp partner in each country, for example to M-Pesa in Kenya. The app does not hold customer funds itself.

Indexer: A light indexer reads pool events to build the ledger, the balance chart and the yearly report.

4.Cost per use and pricing

On Celo a contribution or payout costs well under one cent in gas. The steward agent uses roughly 2,000 tokens per digest or tally on a small model tier, about $0.002 to $0.01 each. Messaging is the main cost at about $0.005 to $0.05 per message depending on country and channel. A 20 member pool with weekly digests runs about $3 to $6 a month all in, before off ramp fees which the member pays at cash out.

Circle Free up to 12 members

One pool, fixed rules, monthly reminders.

Stage $9 a month per pool

Up to 50 members, custom thresholds and caps, top up circles, WhatsApp digests, yearly report.

Federation $49 a month

For associations running many pools: shared dashboard, chair rotation, exportable records for their own auditors.

5.Growth loop

Every payout is a story people repeat at the stage, and the share card names the group, not the app. New members join existing pools by invite, and drivers who move routes start new pools with the same rules. Associations of drivers, traders and churches run pools for their members.

6.Risks and guardrails

Not insurance: In many countries pooling against risk can fall under insurance or savings group rules. Keep pools small and member run, never promise payouts, and get local legal advice before marketing to the public.

Join, ask, leave: Waiting periods, caps and membership snapshots limit it. Overrides need a larger vote.

False claims: Proof photo hashes catch reuse. The group still has to trust each other; the app makes it visible, not impossible.

Pool runs dry: The app warns when the cap is large compared with monthly inflow and shows months of runway before every vote.

Privacy: Medical and family reasons stay offchain and visible only to members, deleted after 90 days by default.

Key loss: Embedded wallets with phone recovery, and the pool contract lets the group vote a lost member's replacement wallet in.

7.Build order

Pool contract with cap, thresholds and waiting period on Celo testnet
Phone sign in with embedded wallets and monthly USDC contribution
Request with proof photo and member approvals
Payout and one off ramp partner in one country
Steward agent for reminders and tallies, WhatsApp digest
Ledger view and yearly report

8.Where this is going

Now
One group of drivers covers each other for breakdowns and hospital deposits, paid within the hour.
Next
Associations run dozens of pools with shared rules, chair rotation and records their own auditors can check.
Later
Pools for traders, nurses and seasonal workers across East and West Africa, Latin America and South Asia, each tuned to its own risks.
The world it builds
Millions of informal workers with a safety net made of each other, transparent enough that nobody has to trust a single treasurer.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Mutual Umbrella

Mutual Umbrella lets a small group pool a rainy day fund and vote quickly on emergency payouts to members. Owning it means the groups you serve trust your deployment, not an unknown app, and every contribution and vote is visible onchain. It is not insurance and promises no returns, it is people looking after each other with better tools.

What’s stopping you?

“I can't code.”

DEPLOYR deploys it from your wallet. You help groups set up: members, monthly amount, how many approvals a payout needs.

“Is this insurance? Is it legal?”

It is a mutual aid pool, not insurance, and you must say so plainly. Rules on pooled funds differ by country. Keep groups small and member run, never promise payouts or returns, and get local advice before running it at scale.

“What if someone abuses the fund?”

Groups set their own approval rules, like three members must approve. Payouts and votes are public to members. Start with groups who already know each other.

“Is it really mine?”

The app deployment is yours and fees route to your wallet. Each group's pool belongs to its members, not to you. That separation is the point.

“What if the pool runs dry?”

It can. Groups should set a payout cap and a waiting period for new members. Be honest that the fund only holds what members put in.

The million-dollar ladder

Groups use the app to run their own pools; the owner earns a small monthly fee per group for the tools, never a share of the pooled money. About $1M a year is a target, not a promise.

$10

$600

$5,000

$85,000

First group

10 members

$1/mo

Early groups

40 groups

$15/mo

Associations

250 groups