P2P credit sharing powered by ROSCA —
on stablecoins, without banks.
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For most of history, people didn't need a bank to access credit. They had each other.
Rotating savings circles — ROSCAs — have powered communities for millennia: kye in Korea, tontine in Africa, paluwagan in the Philippines, hui in Vietnam. Two billion people still trust their circle more than any bank.
But modern finance left them behind — charging high interest and turning away billions who have no credit score, no matter how trustworthy they are. Informal lending fills the gap, but without transparent terms, money breaks friendships.
Coinluck brings the world's oldest financial tradition on-chain. Your trusted circle becomes your credit — backed by community, settled in stablecoins, spendable anywhere. No banks. No credit scores. Just trust, made transparent.
Banks extract value and exclude billions.
We believe finance can include them.