Coinluck — Executive Summary

01 — Market Proof

$500B+

Annual ROSCA Volume

India alone: $200B+. A proven, centuries-old financial primitive operating at global scale.

2 Billion

People Participating

Kye (Korea) · Tontine (Africa) · Kitty Party (India) · Paluwagan (Philippines) · Hui (Vietnam) · Lenshare (Thailand)

10M+

Digital ROSCA Users

MoneyFellows (4M) · Mapan (3M) · Consorcios (7M+). Proven digital scalability. Market ready.

02 — How It Works

Credit Provision

Circle members provide credit via prepaid cards linked to USDC wallets

Card Usage

Members spend with cards globally. Merchant fees: 2.5% (standard globally)

Investor Returns

Community investors earn 1% monthly (12% annually) = 24x traditional bank savings

03 — The Breakthrough: Win-Win-Win

👤 Borrower → Interest-free credit cards

📈 Investor → 1% monthly return (merchant fee infrastructure)

🏪 Merchant → Gets the sale

Social value becomes financially sustainable without compromising returns.

◆ Asset-light intermediation: Like Uber, we don't own the assets — we connect existing supply and demand. Zero balance sheet risk. Pure network value.

04 — Three-Layer Architecture

✅ Complete

Layer 1 — Our Innovation

P2P matching engine + social trust scoring. The proprietary network layer.

✅ Integrated

Layer 2 — Blockchain

USDC via Circle SDK · Arbitrum smart contracts. Settlement infrastructure live.

🤝 Seeking Partners

Layer 3 — Card Issuance

VISA/Mastercard network · BIN sponsorship · MAS compliance pathway.

05 — International Expansion

2025–2026

Phase 1

Singapore 🇸🇬

MAS Sandbox. 350K+ migrant workers (Filipino, Vietnamese, Indonesian) maintaining ROSCA cultures. "Send credit, not cash." Payment Institution License → Global qualification.

2026–2027

Phase 2

Thailand 🇹🇭

Lenshare culture + 89% cashless adoption. 70M people. Deep ROSCA heritage meets digital-native population.

2027+

Phase 3

SEA+ 🌏

680M total addressable. Malaysia, Vietnam, Indonesia. Circle Arc enables borderless trust networks at continental scale.

06 — The Shift

"Banks extract value, exclude billions." "Coinluck enables value creation, includes billions." "Social + financial returns coexist. Banks can't compete."

Network effects compound with every member, every transaction, every trust relationship. This is a platform, not a product.

07 — Partnership Needs

🏛️

MAS License

Pathway support

💳

BIN Sponsorship

Card issuance

🌐

VISA / Mastercard

Network access

⚡

White-Label Platform

Card infrastructure

We bring 2 billion underserved users. You enable inclusion. Together we tap the $500B+ market.