usesaji/Useaji

SAJI is a decentralized rotating savings group platform built on the Stellar network that modernizes traditional West African ajo/esusu savings systems by replacing manual coordination with transparent, automated, blockchain-backed financial cycles. # Useaji SAJI is a decentralized rotating savings group platform built on the Stellar network that modernizes traditional West African ajo/esusu savings systems by replacing manual coordination with transparent, automated, blockchain-backed financial cycles. It enables communities to create savings groups where members contribute funds on a fixed schedule and receive payouts in a rotating order — fully automated, verifiable, and free from human bias or coordinator dependency. ## Overview SAJI transforms informal community savings systems into a trustless, transparent, and automated financial network. It preserves the cultural behavior of ajo/esusu while eliminating: -fraud risk -manual errors -lack of transparency -coordinator dependency All contributions and payouts are executed and verified on the Stellar blockchain. ## Problem Statement Traditional savings groups (ajo/esusu) are widely used across West Africa but face key limitations: -Manual coordination by a single individual -No transparent record of contributions or payouts -High risk of fraud or fund mismanagement -Paper/WhatsApp-based tracking systems -No automation of payout cycles -Difficult scaling across currencies and regions ## Solution SAJI introduces a blockchain-based savings coordination layer: ### Smart Contract Savings Groups -Automated contribution enforcement -Pooled funds stored on-chain -Deterministic payout rotation logic -No human coordinator required ### Transparent Ledger -Every contribution is recorded on Stellar -Payouts are verifiable via transaction IDs -Group activity is publicly auditable ### Automation Engine (Keeper Service) -Monitors savings cycles -Triggers payouts automatically -Ensures fair rotation without intervention ### User-Friendly Dashboard -Simple savings group interface -Real-time balance updates -Human-readable financial state