Moistello — Savings Circles on Stellar

Moistello modernizes community savings circles — Ajo, Esusu, ROSCA-style groups — with a trustless, borderless backbone on the Stellar blockchain. It’s live on Stellar Mainnet with five Soroban smart contracts.

What it does

• Trustless circles — group rules are enforced by smart contracts, not by an organizer’s notebook. No one can run off with the pool.
• Stellar-powered settlement — contributions and payouts move as USDC or XLM in 3–5 seconds, at fractions of a cent.
• MoiScore — a portable, on-chain financial identity (0–1000) built from on-time contributions, streaks and volume. Unlocks larger circles and better terms.
• Flexible payout models — random selection via on-chain VRF, fixed order, chit-fund auctions, or community vote.

The numbers

• No fees to create or join a circle. A 0.5% protocol fee on payouts — taken when you receive the pool, not when you contribute.
• Stellar network fees are under $0.001 per transaction.
• Live on Stellar Mainnet since June 15, 2026 with five contracts: SavingsVault, MilestoneNFT, Reputation, Governance, and MoistelloCore.

Open source

Moistello’s smart contracts, backend and frontend are open source under Apache 2.0 — auditable, forkable and improvable by the communities it serves.

Get started

Create or join a circle in under two minutes — connect a Stellar wallet (or use email + passkey) at moistello.com.