Kutu Without the Rug
PoolFi helps communities create trusted savings pools using USDC or USDT on Solana. Every contribution, payout turn, collateral lock, and default rule is transparent from day one.
Built for kutu, ROSCA, arisan, susu, kootu, workplace pools, family pools, and community savings groups.
PoolFi Weekly Pool
Active
$100
USDC
#5
of 10 participants
$300
3x contribution
850
Excellent
Next Payout
$1,000 USDC
Queue Position
Week 5 of 10
USDC & USDT Only
No volatile tokens. Early launch uses stablecoins on Solana only.
Collateral Protected
3x contribution locked per member to protect against defaults.
Reputation Tracked
Payment history builds trust and unlocks better pool access.
Introducer System
Trusted members vouch for new participants for safer pools.
Traditional Kutu Works Until Trust Breaks
ROSCA-style savings circles have worked for generations. But they rely on knowing everyone personally, and problems arise when trust fails.
Early Payout Disappears
Someone receives payout early and disappears, leaving the group at a loss.
Organizer Blame
Organizers get blamed when members delay payment or cause problems.
Manual Tracking Confusion
Manual tracking causes confusion about who paid, who owes, and whose turn is next.
Trusting New Members
New members are hard to trust without knowing their payment history.
Scaling Limits
Groups cannot safely scale beyond close friends and family.
PoolFi Automates the Trust Layer
We bring the kutu savings tradition on-chain. Smart contracts handle the trust, so communities can focus on saving together.
Smart Contract Management
Smart contracts manage contributions and payouts automatically.
Collateral Protection
Collateral protects the pool from defaults without hurting other members.
Automatic Enforcement
Late payment rules are enforced automatically, no manual chasing.
Portable Reputation
Reputation follows the user across pools, building trust over time.
Introducer System
Introducers help screen new members before they join your pool.
How PoolFi Works
Five simple steps from joining to building your savings reputation
Create or join a pool
Start a new savings pool with friends or join an existing trusted group.
Lock required collateral
Lock 3x your contribution as collateral. This protects everyone in the pool.
Contribute on schedule
Contribute USDC or USDT weekly or monthly. Smart contracts track every payment.
Receive payout on your turn
When your queue position arrives, receive the pooled funds automatically.
Complete and build reputation
Finish the cycle and build your on-chain reputation for future pools.
Built First for Real Kutu Users
We are looking for the first 100 active kutu users, organizers, and community leaders to test PoolFi with small, controlled savings pools.
Weekly and monthly pool formats
USDC or USDT only during early launch
Small pool sizes first
Introducer-based access
Transparent payout queue
Reputation built over time
Introducers Make PoolFi Safer
Every trusted network starts with people. PoolFi uses introducers to help bring in real users, reduce anonymous abuse, and create social accountability.
Introducers invite trusted members
Experienced members can vouch for new participants they personally know.
New wallets receive lower payout priority
Unverified participants start lower in the queue until they build reputation.
Introducer reputation can be affected
If introduced members misbehave, the introducer reputation may be impacted.
Good introducers unlock better pools
Introducers with strong track records may access larger pools over time.
Designed Against Rug Risk
Multiple layers of protection keep your savings pool safe from defaults, disappearances, and bad actors.
3x Recurring Contribution Collateral
Every member locks collateral equal to 3 contributions, protecting others from loss.
48-Hour Grace Period
Late members get 48 hours to catch up before automatic actions are taken.
Automatic Collateral Deduction
After default, collateral is automatically used to cover the missed payment.
Consecutive Default Removal
Two consecutive defaults result in automatic removal from the pool.
Treasury and Security Reserve
Forfeited collateral protects the protocol and remaining pool members.
New Wallet Priority Limits
Unverified wallets start lower in the payout queue to reduce risk.
Introducer Accountability
Introducers share accountability for members they bring into pools.
Your Payment History Becomes Your Advantage
Users who complete pools, pay on time, and avoid defaults build a portable savings reputation. Over time, strong reputation may unlock better pool access, better queue priority, and lower collateral requirements.
Better Pool Access
Strong reputation unlocks access to larger, more established savings pools.
Better Queue Priority
Proven contributors receive weighted priority in the payout queue.
Lower Collateral Requirements
Over time, good reputation may reduce required collateral amounts.
Portable Savings Reputation
Your history follows you across all PoolFi pools
Complete pools to build trust
Every successfully completed pool adds to your on-chain reputation. Consistent contributors earn trust over time.
New wallets start fresh
Without a history, new participants start with lower queue priority. Building reputation unlocks better terms.
Simple Protocol Fee
A sustainable fee structure that rewards introducers, supports pool creators, and maintains protocol security. Only applied when payouts are received.
Protocol Development
Ongoing development, security audits, and ecosystem growth.
Security Reserve
Protocol-wide protection fund for unexpected scenarios and edge cases.
Introducer
Rewards those who bring trustworthy participants into the ecosystem.
Pool Creator
Incentivizes community leaders to create and manage healthy pools.
Aligned with Real Kutu Economics
This fee structure mirrors how successful community savings pools work in practice. Introducers and pool creators are rewarded for bringing trustworthy members and maintaining healthy pools—creating social accountability that scales beyond close friends.
Fees are only applied when a payout is received. No fees on contributions or collateral.