UnityLedger

Decentralized Cooperative Savings & Lending (ROSCA) Platform

📝 Project Overview

UnityLedger is a decentralized, community-driven Rotating Savings and Credit Association (ROSCA) platform built for both EVM-compatible chains and Stellar’s Soroban environment. Our mission is to digitize traditional cooperative savings circles, enabling secure, transparent, and trustless management of group contributions and payouts.

Key Features

Cross-Chain Deployment

Native support for Ethereum, Polygon, and other EVM-compatible networks

Soroban smart contracts on Stellar for low-cost transactions and robust account abstraction

Automated Contribution Cycles

Smart contracts orchestrate contributions, payouts, and penalties without manual intervention

Configurable cycle parameters: contribution amounts, schedules, and member limits

Financial Inclusion Focus

Designed for communities without reliable banking access

Mobile-friendly UI/UX to accommodate low-bandwidth environments

Immutable Transparency & Security

All actions recorded on-chain for auditability

Industry-standard security audits and formal verification for mission-critical contracts

Community-Guided Development

Feedback-driven feature roadmap informed by real-world user insights

⚡ Capabilities & Tech Stack

Blockchain Development: Solidity (EVM chains), Rust/Soroban (Stellar)

Smart Contracts: ERC-20/ERC-721, custom ROSCA cycle modules, audited deployments

Backend & APIs: Node.js microservices with robust off-chain data orchestration

Frontend: Next.js, React, TypeScript, Tailwind CSS, Framer Motion for smooth user interactions

Decentralized Storage: IPFS & compatible gateways for metadata and historical records

Data & Analytics: Real-time dashboards, KPI tracking, and ETL pipelines

Security Best Practices: Formal verification, CI/CD integration, bug-bounty program readiness

Community & Outreach: User education, documentation, and regular workshops/webinars