Where Social Returns Meet Sustainability
View Full Executive Summary →2 billion people trust ROSCAs more than banks
"Banks extract value, exclude billions."
Coinluck enables value creation, includes billions.
Social + financial returns coexist.
Billions of people are locked out of affordable credit. The system is rigged against the people who need it most.
Traditional banks charge 10–20% APR, extracting wealth from borrowers who have no better option. The interest burden traps families in cycles of debt.
40% of millennials — especially in ASEAN — lack sufficient credit history to qualify for loans. No credit score means no access, regardless of trustworthiness.
60% of informal community loans end in conflict or default. Without transparent agreements and smart contracts, trust erodes and relationships break down.
Bring your trusted community on-chain. Pool capital together and unlock affordable credit backed by social trust — not credit scores.
Friends provide credit via prepaid cards linked to USDC wallets. Your existing trust network becomes the foundation of interest-free credit — no bank required.
Members use cards globally at any VISA/Mastercard terminal. Standard 2.5% merchant fee — the same infrastructure already powering every card transaction worldwide.
Investors earn 1% monthly (12% annually) — 24x bank savings rates. Merchant fees fund sustainable infrastructure revenue, not interest extraction.
ROSCA (Rotating Savings & Credit Association) has powered community finance for millennia. We're bringing it on-chain.
= World's First On-Demand Credit Sharing
Every component of Coinluck is designed with trust, transparency, and accessibility at its core.
Circle Programmable Wallets + Fireblocks via PAL. Enterprise-grade custody meets consumer simplicity — single interface, multiple providers.
Trust-based peer lending for groups of 5–10. Social collateral replaces credit scores. Your reputation is your credit, enforced by smart contracts.
Instant USDC transfers via QR scan. Send money to anyone in your circle as easily as scanning a merchant code — no friction, no delays.
CoinluckVault.sol deployed on Arbitrum. All circle agreements are immutable, transparent, and self-executing — no intermediary needed.
iOS built with SwiftUI. Android built with Kotlin + Compose. Purpose-built native experiences, not a web wrapper — performance that matches the platform.
Built for the underbanked across Korea, Southeast Asia, and beyond. Local payment UX, stablecoin on-ramps, and community-native design patterns.
Modular stack designed for partnership at every layer
Three compounding advantages that are hard to replicate: stablecoin infrastructure, trust-based risk reduction, and blockchain transparency.
No crypto volatility. USDC means what you borrow today is what you owe tomorrow — plus a predictable 3–5% APR. Instant settlement across borders, 24/7.
Social collateral is the most reliable risk signal in P2P lending. Borrowers repay people they know. The result: our 5% default rate vs a 15% industry average.
Every agreement, every repayment, every transaction is on-chain. CoinluckVault.sol on Arbitrum creates immutable records. No disputes about terms — the contract is the truth.
Trust Network vs Blockchain Transparency
The global credit card market is $4.6T — and there's no credit card in crypto yet. We're building the first P2P credit card powered by ROSCA.
Join thousands of early users shaping the future of community lending. Get priority access to our iOS and Android apps when we launch.
No spam. Unsubscribe any time. We respect your privacy.