FaithPool

Community-powered savings circles on Stacks. FaithPool brings traditional rotating savings groups (ROSCA) on-chain with transparent rules, automated payouts, and built-in reputation tracking.

The Vision

FaithPool modernizes the ancient practice of community savings circles. Friends, families, and communities pool resources together, taking turns receiving the collective pot, building trust and wealth together.

Why FaithPool

• Trustless: Smart contracts enforce the rules fairly
• Transparent: Every contribution and payout is on-chain
• Reputation: Build on-chain credit through participation
• Global: Anyone, anywhere can join or create a circle

How It Works

Week 1: 10 members contribute $100 each → Member A receives $1000
Week 2: 10 members contribute $100 each → Member B receives $1000
...
Week 10: 10 members contribute $100 each → Member J receives $1000

Architecture

faithpool/
├── contracts/                    # Clarity smart contracts
│   ├── core.clar                 # Circle creation & management
│   ├── escrow.clar               # Contribution escrow
│   ├── reputation.clar           # Member reputation scoring
│   ├── governance.clar           # Circle voting & disputes
│   └── nft-badges.clar           # Achievement NFTs
├── frontend/                     # React + Vite dashboard
│   ├── components/               # UI components
│   ├── hooks/                    # Blockchain interactions
│   ├── utils/                    # Helper utilities
│   └── pages/                    # Application pages
└── docs/                         # Documentation

Features

Circle Management

• Create circles with custom parameters
• Set contribution amounts and frequency
• Invite members via links
• Public and private circles

Contribution System

• Automated reminders
• Escrow protection
• Late penalty configuration
• Grace periods

Payout Schedule

• Transparent rotation order
• Randomized or predetermined
• Auto-escalation for missed contributions

Reputation System

• On-chain participation score
• History of completed circles
• Badges and achievements
• Trust metrics for invites

Dispute Resolution

• Community voting
• Evidence submission
• Binding arbitration
• Slashing for bad actors

Getting Started

Prerequisites

• Node.js 18+
• Leather or Xverse wallet
• STX for transaction fees

Installation

git clone https://github.com/faithorji/faithpool.git
cd faithpool
npm install

Run Frontend

cd frontend
npm install
npm run dev

Test Contracts

clarinet check
npm test

Circle Parameters

Parameter	Description	Default
Contribution Amount	STX per period	Configurable
Cycle Period	Days between rounds	7 days
Member Limit	Max participants	2-20
Late Fee	Penalty for missed contributions	5%
Grace Period	Days before penalty	3 days

User Journey

Creating a Circle

1. Set contribution amount and frequency
2. Choose rotation method (random/ordered)
3. Set member limit
4. Generate invite links
5. Activate when full

Joining a Circle

1. Accept invite
2. Deposit first contribution
3. Confirm commitment
4. Receive payout schedule

During the Circle

1. Receive reminders before each round
2. Contribute on time
3. Watch your reputation grow
4. Receive your payout on your turn

Reputation Scoring

Action	Points
On-time contribution	+10
Completing a circle	+100
Referring new member	+25
Late contribution	-20
Missed contribution	-50

Security Features

• Multi-signature controls for circle parameters
• Time-locked withdrawals
• Escrow protection
• Post-conditions for STX transfers
• Emergency pause functionality

Tech Stack

• Smart Contracts: Clarity + Clarinet
• Frontend: React 19 + TypeScript + Tailwind CSS
• State Management: Zustand
• Blockchain: Stacks.js
• Notifications: Push protocol integration

Roadmap

• Mobile app
• Cross-chain deposits
• Circle insurance fund
• Governance token
• Lending against reputation

License

MIT

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Building community wealth, one circle at a time