ArbiCycle
ArbiCycle is a trustless rotating savings circle (Ajo / Chama / Stokvel) on Arbitrum. 500M people worldwide save this way through one coordinator who can disappear with the pot — ArbiCycle replaces that coordinator with smart contracts. Chainlink VRF picks the payout order provably fairly, Chainlink Automation triggers rotations and penalties autonomously, and idle contributions earn yield on Aave v3. Defaulters are auto-kicked and their on-chain reputation drops. Live on Arbitrum Sepolia, deployable to Robinhood Chain. The tradition stays — the single point of failure goes
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Pila tecnológica
Descripción
The Problem
500 million people save money through rotating savings circles — Ajo in Nigeria, Esusu, Chama in Kenya, Stokvel in South Africa. Every month, members contribute to a shared pot and one member takes it home. The model moves an estimated $180B per year and has worked for generations.
It has exactly one weakness: the human coordinator. One person holds the money, decides who gets paid, and keeps the records. When they disappear, delay payouts, or play favourites, members lose everything — and there's no recourse. Around 40% of informal savings groups experience coordinator fraud or mismanagement.
The Solution
ArbiCycle replaces the coordinator with smart contracts — and changes nothing else about the tradition.
Provably fair rotation order — Chainlink VRF v2.5 picks who gets paid each round. Nobody chooses; everybody can verify.
Self-executing rounds — Chainlink Automation watches deadlines and triggers payouts autonomously. No human presses send.
Yield on idle funds — contributions earn on Aave v3 while waiting in the pot. Traditional circles earn nothing.
On-chain accountability — miss two contributions and the contract auto-kicks you, seizes your stake into the pot, and your on-chain reputation score drops. Defaulters can't just hop to the next circle.
Cheap to create — circles deploy as EIP-1167 clones (~50k gas), so starting one costs less than a cent.
How It Works
Create a circle: set contribution amount (USDC), group size, and frequency. One transaction.
Members join with the circle address and approve their contributions.
The protocol runs everything: VRF sets the payout order, Automation rotates the pot every round, Aave earns yield in between.
Architecture
Solidity contracts on Arbitrum Sepolia (Factory + EIP-1167 circle clones + Reputation registry), non-upgradeable once a circle activates — ReentrancyGuard, CEI, custom errors, full NatSpec
Chainlink VRF v2.5 + Chainlink Automation + Aave v3 + USDC
Robinhood Chain ready: automatic block-hash-shuffle fallback where VRF isn't live yet — one constructor param
x402-compatible PaymentStreamExecuted events on every contribution, pluggable into agentic payment systems
React + wagmi frontend, live at arbicycles.xyz
The Agentic Layer
Every circle is run by autonomous agents with zero human intervention: VRF (randomness agent), Automation (enforcement agent that triggers rotations and applies penalties), and the auto-kick mechanism that ejects defaulters and redistributes funds. This is real autonomy backed by cryptographic guarantees — not a chatbot wrapper.
Links
Live app:
Factory contract:
Reputation contract:
GitHub: