CIRCLEUP-AJO/CIRCLEUP

CircleUp puts rotating savings clubs (Ajo, Esusu, Tanda, Chama) on Stellar Soroban. Members contribute each round; the contract auto-pays the recipient — no organizer can run off with the pot. Miss a round, lose collateral. Complete a circle, earn on-chain reputation. # 🔄 CircleUp > **The savings club a billion people already use — made trustless.** CircleUp brings Rotating Savings & Credit Associations (ROSCAs) — known as **Ajo** in Nigeria, **Esusu** across West Africa, **Tanda** in Latin America, and **Chama** in Kenya — onto **Stellar Soroban**. The notebook-and-trust model is replaced by a tamper-proof smart contract: every member contributes each round, and the pot auto-pays the scheduled recipient. The organizer can never run off with the money. --- ## Table of Contents - How It Works - Architecture - Project Structure - Data Flow - Quick Start - SDK - Environment Variables - Contracts Reference - Contract Invariants - Gas and Storage Estimation - API Reference - Demo Flow - Tech Stack - Contributing --- ## How It Works ``` 1. Organizer creates a circle → sets members, $amount/round, rotation order, schedule 2. All members lock collateral (1× round amount) to join 3. Each round: every member contributes → contract holds the pot 4. Contract auto-pays the scheduled recipient (no intermediary) 5. Miss a round → 20% collateral penalty + default flag on your record 6. Complete a full circle → your on-chain reputation score increments ``` **Example:** 4 members, $100/round, monthly schedule | Round | Pot | Recipient | |-------|--------|-----------| | 1 | $400 | Alice | | 2 | $400 | Bob | | 3 | $400 | Carol | | 4 | $400 | Dave | Each member contributes $400 total, receives $400 once. Zero interest. Zero trust required. --- ## Architecture ``` ┌─────────────────────────────────────────────────────────────┐ │ Stellar Testnet │ │ │ │ ┌──────────────────┐ deploys ┌────────────────────┐ │ │ │ circle_factory │────────────▶│ circle (instance) │ │ │ └──────────────────┘ └────────────────────┘ │ │ │ │ …