Name: Pot Luck
Brand: DEPLOYR
Price: 189 USD
Availability: PreOrder

Picture this

Who it is for

Folake's market traders run a monthly ajo, but last year a member vanished after collecting. Pot Luck locks each month's contributions, pays the turn automatically, and requires late joiners to post a small bond, while on-time payers build a savings record.

Two ways to own it

What you get

Base$189

$47 deposit to reserve

Circle creation, USDC contributions, turn order, automatic payout, member bond, on-time record badges.

You choose: chain
You choose: name and logo
You choose: accent color
You choose: cycle length
You choose: bond size

Customfrom $1,400

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

Why own your own

Onchain ROSCAs with reputation already exist; differentiation would be UX and distribution, not mechanic.

Closest things out there

AjoAI claims to be live on Celo mainnet with per-circle escrow and onchain reputation, and AjoDAO, Ajo on Base and Venn esusu-chain are hackathon builds of the same mechanic.

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

Mines your character as a reliable saver.

The Regatta Board

Races it can enter

grant · Circle · rolling

Circle Developer Grants

unknown

Official page ↗

Stablecoin savings app; eligibility unknown

Their rule on existing code: unknown

grant · Polygon · rolling

Polygon Community Grants

seasonal; current season unknown

Official page ↗

Payments apps; existing projects OK

Their rule on existing code: Existing projects OK

What you own

The whole app, not a starter kit.

The complete Pot Luck app: a rotating savings circle where the pot is held by contract, each turn pays itself, a bond covers missed payments and every member builds an on time record, with a paywall built in.

Base price · $189

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: the pot holds the money, each turn pays itself, paying on time builds your record.

Next action and the Sunday checkHome

Pay your share, payout morning or your record, plus a two minute weekly check with a streak.

Pay your shareHome

Send the monthly contribution into the pot with naira shown, network and gas, and a receipt.

Pot clock and payout morningPot

Watch the lane fill the pot and the turn holder get paid at 7:00, with the turn order drawn at the meeting.

Missed payment and bond coverPot

After the grace window the member's own bond covers the gap, so the turn holder is paid in full.

Late joiner with a bondMembers

A new trader posts a bond instead of a personal vouch and the organiser approves her turn. Gated behind Market.

Member list and more circlesMembers

Who has collected and holds a bond, who is waiting, and new circles with their own rules. Extra circles gated behind Market.

On time savings recordRecord

Ticks for every month paid, shared with another lane only with consent and for 7 days.

Exportable recordRecord

A signed one page summary with a verify link for a lender or a new circle. Gated behind Market.

Wallet, bond and receiptsWallet

Bond held, paid in and collected, plus receipts that mark what is onchain and what stays in the app.

Plans and voice note remindersMe

Pricing from the owner paywall and reminders in Yoruba, Igbo, Hausa or English. Voice notes gated behind Market.

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, payment methods and live editing of tier names, prices and gates.

Every circle at a glanceCircles

On time rate per circle, with a fix for circles that need help.

Rules that change outcomesRules

Bond size, grace window, late joiner bond, network, bond cover, voice notes, SMS and gas sponsoring.

Pot keeper agent log and roadmapAgent

What the keeper tried, what failed and how it adapted, with running costs; plus the priced Roadmap.

Top-up

Growth and referrals

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

Growth loops and referralsGrowth

Association market days, organiser referrals, family referrals and cohort retention.

The money path, built in

How it earns for you

Running one lane's circle is free. Organisers who run more circles pay monthly, and trader associations pay for many organisers and one shared rulebook. The app never takes a cut of contributions.

LaneFreeOne circle up to 12 members, monthly or weekly, bond and on time record

Market$9 a monthUnlimited circles, voice note reminders, late joiner bonds, exportable records

Association$49 a monthMany organisers, an overview of every circle and one shared rulebook

No fee on contributions or payouts. Gas, under $0.10 a cycle per circle, can be sponsored by the owner. Members pay their own onramp fees.

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

Growth loops, built in

How it spreads

Family referral: a member's sister in another market joins with a record instead of a personal vouch
Association market days that move a dozen cash circles over in one morning
Organiser to organiser referral codes worth a free month for both
Finished circles produce records that make the next circle easier to fill
Payout morning share card posted in lane WhatsApp groups

Roadmap · build the next phase with us

Where it goes next

v1 included

The full circle app

Circle rules, pot contract and automatic payout
Member bond, grace window and bond cover
Late joiner flow and on time records
Receipts, wallet view and the Sunday check
Paywall with USDC checkout

Included

Association desk and mobile money

Association desk across many organisers
Mobile money on and off ramps per country
SMS and USSD mode for basic phones
Shared rulebook templates

Add-on from $450

Portable savings record

End of circle attestation members can share
Cross city circle matching by record
Lender view, only with the member's consent
Open ajo record schema

Add-on from $950

For investors and grant reviewers

The pitch, ready

A rotating savings circle where the pot pays itself and nobody can run off with it.

Problem: Millions of traders save through ajo, susu and chama circles that run on trust and a cash bag. When a member collects early and disappears, the rest carry the loss and the organiser's name is damaged.

Solution: Contributions go into a small contract that pays each turn on time, holds a bond from members who have already collected, and builds an on time record that members own and can carry to the next circle.

Why now: Phone number wallets, cheap stablecoin transfers on Celo and Base, local onramps and small models that write voice note reminders in local languages make it usable for traders who have never touched crypto.

Market: Market traders, cooperatives and diaspora groups who already save in rotating circles, plus the trader associations that oversee dozens of them.

The ask: Pilot partners: two real circles in one market and one trader association, plus grant support from stablecoin and payments programmes.

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

For hackathons and demo days

Your 2 minute demo

Home: meet Folake, 44, at Balogun Market, Lagos. Last year a member ran off with the pot.
Home: pay her month 7 share into the pot and see the receipt.
Pot: run payout morning and watch Chidi get paid at 7:00 with no cash walk.
Pot: pick Emeka goes quiet and show his own bond covering the missed month.
Members: Bisi asks to join late; unlock late joiner bonds with the USDC checkout, then approve her.
Record and Wallet: share Folake's record with a lane in Ibadan for 7 days and show what is onchain and what is not.
Owner Revenue: change the Market price in the paywall editor and preview the user Plans screen.
Owner Rules: switch off bond cover, rerun month 7 and show Chidi paid short; then request the v2 association desk on Roadmap.

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

Make it entirely yours

Custom work from $1,400: your own circle types and rules, a mobile money partner in your country, extra languages for reminders, or an association branded deployment. Scoped on a call.

Custom from $1,400

BLUEPRINT

Why it matters and how it really works

The need

Rotating savings circles (ajo, esusu, susu, chama, tanda) are how millions of traders save and get a lump sum without a bank loan. They run on trust and a cash bag. When a member collects early and disappears, the rest of the circle carries the loss and the organiser's name is damaged.

What exists and what is new

This mechanic already exists. AjoAI says it is live on Celo mainnet with per-circle escrow and onchain reputation, and AjoDAO, Ajo on Base and Venn esusu-chain are hackathon builds of the same idea. Research verdict: exists, low novelty. What this version focuses on is the organiser's day to day: voice note reminders in local languages, a grace window before anything counts as late, a bond held only from members who have already collected, late joiners posting a bond, and an on time record that travels to the next circle. The difference is UX and distribution, not the contract.

The data it runs on

Circle rules (size, amount, cycle, order, bond, grace), member wallets, contribution and payout transactions, bond balances, and an on time record per member. Names, stall locations, phone numbers and the reasons a payment was missed stay in the app, never onchain.

1.The mission

Let any group of people who already trust each other save together without one person carrying the risk, the cash or the blame.

2.Why people can't resist it

The pot pays itself On payout morning the person whose turn it is gets paid automatically. Nobody walks across the market with a bag of cash.

A record you keep Every on time payment adds to a savings record you can show the next circle, so a lane that does not know you can still let you in.

The Sunday check A two minute weekly check: did I pay, whose turn is next, leave a voice note. Streaks keep the whole circle on time.

3.How it works for real

Wallets: Privy embedded wallets with phone number login on Celo (default), Base or Polygon. Members never see a seed phrase. Organisers can add members who only have a phone.

Pot contract: A small circle contract holds USDC contributions per cycle, pays the turn holder at the set time, holds a bond from members who have collected, and pays bonds back at the end. Rules are fixed when the circle starts and hashed onchain.

On time record: Each payment updates a per member record; at the end of a circle an EAS attestation summarises it (cycles, on time count, misses covered by bond). Members choose whether to share it.

Pot keeper agent: A low cost model tier (for example Claude Haiku or a comparable small model via OpenRouter) writes reminders and summaries and flags missing payments after the grace window. It can only remind and trigger the bond rule; it cannot move a member's funds.

Reminders: WhatsApp Business messages and voice notes in the members' languages, sent at a time the circle picks. SMS fallback for basic phones.

Money in and out: Local onramps and offramps (bank transfer or mobile money partners where available) so members see naira, cedi or shillings, while the pot settles in USDC.

4.Cost per use and pricing

Per cycle for a 10 person circle: about 12 onchain transactions (10 contributions, 1 payout, 1 bond update). On Celo these typically cost well under one US cent each, so under $0.10 a cycle. Reminder writing with a small model is roughly 20 short messages a cycle, a fraction of a cent. WhatsApp business messages are the main cost, a few cents each depending on country. Example: 50 circles of 10 people, monthly, comes to roughly $40 to $80 a month in messaging and gas, before onramp fees which members pay.

Lane Free

One circle up to 12 members, monthly or weekly, bond and record included.

Market $9 a month

Unlimited circles for an organiser, voice note reminders, late joiner bonds and an exportable record for each member.

Association $49 a month

For trader associations and cooperatives: many organisers, an overview of all circles and a shared rulebook.

5.Growth loop

Every circle has an organiser who already runs one in cash. When a member's sister hears about it in another market, she can join with her record instead of a personal vouch. Each finished circle produces records that make the next one easier to fill.

6.Risks and guardrails

Regulation: Holding pooled savings can count as deposit taking or money transmission in some countries. Launch with legal advice per market, keep the contract non custodial and keep amounts in the range circles already use.

Not an investment: A savings circle returns what you put in. It must never be marketed as earning interest, yield or profit.

Default after collecting: A bond reduces but does not remove the loss if someone leaves early. Circles choose the bond size knowing this, and the app shows the exposure plainly.

Privacy and shame: Misses are visible to the circle, which can be harsh. Reasons stay private, and members control whether their record is shared outside the circle.

Phone and wallet loss: Phone number recovery through the embedded wallet provider, and an organiser cannot redirect a member's payout.

Stablecoin and onramp risk: USDC and local onramps can fail or pause. Show the naira value at each step and keep a manual fallback for a cycle.

7.Build order

Circle contract on Celo with fixed rules, payout schedule and bond, with tests
Phone login wallets and a simple circle creation flow for the organiser
Contribution, payout and bond return flows with receipts
Grace window and bond cover for missed payments
WhatsApp reminders with a small model writing them in local languages
On time record and the end of circle attestation
Pilot with two real circles in one market, then adjust

8.Where this is going

Now
One lane's ajo runs without a cash bag and without anyone fearing a runaway.
Next
Trader associations run dozens of circles with one shared rulebook and see which ones need help.
Later
A member's on time record helps them join circles in other cities and, if they choose, show it to a lender.
The big picture
The way people already save together becomes a record that counts, owned by the saver, not by a bank.

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 Pot Luck

When your ajo, susu or chama runs on someone else's app, they hold the members, the records and the trust. When you own Pot Luck, the circle runs from your wallet under your group's name, payouts follow a contract nobody can walk away with, and every on-time payment builds a savings record your members keep. You become the trusted organizer, with proof.

What’s stopping you?

“My members don't use crypto.”

Many will not at first. Start with the two or three who already hold USDC, or help members get a simple wallet on a phone. Keep a cash circle running beside it until the onchain one proves itself. Do not push anyone.

“What if someone collects and stops paying?”

That is what the member bond is for: late joiners post a small bond, and missed payments come from it. It reduces the risk; it does not remove it. Choose members you know, and put newer members later in the turn order.

“Is it really mine?”

Yes. It deploys from your wallet, with your group's name. DEPLOYR builds and hands it over.

“Is a savings circle legal?”

Informal rotating savings is legal in most places, but taking deposits from the public or charging interest can be regulated. Keep circles to people you know, take no interest, and check local rules before you charge an organizer fee or run circles for strangers.

“What if the stablecoin or app breaks?”

Funds sit in the contract between turns, so a bug or a stablecoin problem is a real risk. Keep circles small, cycles short and contributions an amount members can afford to lose access to for a while.

The million-dollar ladder

A small organizer fee per circle per cycle, paid circles for cooperatives and market associations, and partner fees from fintechs who want members with proven savings records.

$20

$1,500

$15,000

$85,000

Your own circle

1 circle of 10 members

$2 per member per month

Local circles

60 circles

$25 per circle per month

Cooperatives and associations

150 organizations