Archa - Arisan On-Chain

Archa is an AI-powered decentralized rotating savings platform that brings Indonesia's traditional arisan to blockchain with automated yield optimization and smart contract security.

In traditional arisan, trust is the single point of failure while collected capital sits idle. Archa transforms this centuries-old practice with blockchain enforcement, AI-driven DeFi yield strategies, and complete transparency—allowing users to save together while earning passive income.

Overview

Rotating Savings and Credit Associations (ROSCAs) like arisan have served millions of Indonesians for decades, proving that communal finance works without banks.

However, traditional arisan faces four critical challenges: participants can disappear after receiving their turn, pooled funds generate zero returns, records are easily manipulated, and the system only scales within trusted circles.

Archa exists to solve all of these.

Archa is not just a savings platform—it is an autonomous arisan protocol powered by smart contracts and AI yield optimization.

Users deposit collateral once and make monthly contributions.
Archa handles enforcement, yield generation, and fair distribution.

Problem Statement

Why Traditional Arisan Fails at Scale
Despite its cultural adoption, arisan presents four systemic problems:

1. Trust-Based Vulnerability

Participants can flee after receiving their first payout, leaving others at risk. There is no enforceable commitment mechanism.

2. Idle Capital

Collected funds sit in cash or bank accounts for months, generating zero yield while DeFi protocols continuously produce returns.

3. Manual & Opaque Records

All transactions are tracked manually through WhatsApp groups or notebooks, making records easily manipulated and unverifiable.

4. Inherently Unscalable

Without enforcement or transparency, arisan only works in close-knit communities. Expanding to strangers introduces unacceptable default risk.

Proposed Solution

Archa automates arisan with blockchain and AI.

Instead of trust-based manual systems, Archa provides:

• 125% collateral enforcement for anti-runaway protection

• AI-driven yield optimization across Mantle DeFi protocols

• 100% on-chain transparency with verifiable smart contracts

• Global scalability—arisan with anyone, anywhere

Archa enforces, optimizes, distributes, and proves so users can save with confidence.

Core Features

1. Smart Contract Enforcement

125% Collateral System
Participants deposit collateral upfront as commitment. This creates negative economic incentive for early exit—running away means losing more than you gain.

2. AI Yield Optimizer

Real-Time Protocol Analysis
AI continuously monitors and analyzes 5+ DeFi protocols on Mantle Network:

• Lendle (Lending)

• Merchant Moe (DEX)

• Agni Finance (DEX)

• Minterest (Money Market)

• KTX Finance (Perpetuals)

The AI automatically reallocates capital to protocols with highest risk-adjusted APY, currently achieving 8.5% APY across all pools.

3. Double Yield Generation

Two Passive Income Sources

• Pool funds generate yield through AI-selected DeFi strategies

• Collateral deposits also earn yield during the arisan period

• At completion, all participants receive collateral + collateral yield + pool yield share

4. Verifiable Transparency

100% On-Chain Records
All deposits, yield generation, winner selection, and distributions are recorded on Mantle blockchain. Anyone can verify any transaction at any time.

5. Fair Winner Selection

Decentralized Randomness
Smart contract uses verifiable random function to select monthly winners, ensuring no manipulation or favoritism.

Pool Templates

Archa offers three pre-configured pool types:

Small Pool

• Monthly Deposit: 10 USDC

• Cycle: 30 days

• Participants: 5 people

• Current APY: 8.5% (AI Optimized)

• Best For: First-time users testing the platform

Medium Pool

• Monthly Deposit: 50 USDC

• Cycle: 30 days

• Participants: 10 people

• Current APY: 8.5% (AI Optimized)

• Best For: Regular savers seeking steady returns

Large Pool

• Monthly Deposit: 100 USDC

• Cycle: 30 days

• Participants: 20 people

• Current APY: 8.5% (AI Optimized)

• Best For: Serious investors maximizing yield

Users can also create custom pools with flexible parameters.

How It Works

Step 1: Choose Pool

Select a pool based on monthly budget and participant size, or create a custom pool.

Step 2: Deposit Collateral

Lock USDC collateral as commitment. This collateral earns yield throughout the arisan period.

Step 3: Monthly Contributions

Deposit USDC every 30-day cycle. AI automatically invests pooled funds to highest-yielding protocols.

Step 4: Winner Selection

Smart contract randomly selects winner each cycle. Winner receives that cycle's pool + accumulated yield.

Step 5: Completion Bonus

When arisan completes, all participants receive:

• Original collateral returned

• Yield earned from collateral

• Share of total pool yield

Result: Everyone earns passive income while saving together.

Architecture Highlights

• Smart Contracts: Solidity 0.8.20 with OpenZeppelin security standards

• AI Decision Layer: Real-time protocol analysis and yield optimization

• Frontend: Next.js 15 with TypeScript for type-safe development

• Blockchain: Mantle Network for low-cost, high-throughput transactions

• Stablecoin: USDC for value stability

• Web3 Integration: Wagmi v2 + Viem for seamless wallet connectivity

Use Cases

• Community Savings: Groups save together while earning DeFi yields

• Family Finance: Families pool funds transparently with automated enforcement

• DAO Treasuries: DAOs use Archa for rotating capital allocation with yield

• Remittance Alternative: Diaspora communities send money home via arisan pools

• DeFi Onboarding: Traditional arisan users discover blockchain benefits

Market Opportunity

Massive Addressable Market

• 278M Indonesian Population familiar with arisan tradition

• 74-80% Unbanked/Underbanked rely on informal savings systems

• 22M Active Crypto Users in Indonesia ready for adoption

• $2.2B+ TVL on Mantle provides deep DeFi liquidity

Archa bridges cultural practice with cutting-edge technology, creating natural product-market fit.

Innovation & Differentiation

What Makes Archa Unique:

1. Cultural Relevance: First blockchain solution designed specifically for arisan

2. Economic Security: 125% collateral creates negative runaway incentive

3. Double Yield: Participants earn from both pool funds and collateral

4. AI Optimization: Automated yield maximization without manual intervention achieving consistent 8.5%+ APY

5. Zero Trust Required: Smart contracts enforce all commitments

Competitive Advantage:
While other DeFi protocols optimize yield, none address the specific needs of rotating savings communities. Archa combines cultural understanding with technical innovation.

Contract Addresses

Mantle Sepolia Testnet (Live)

Core Contracts:

• ArisanFactory: 0x41AB8122110588682358F9B23A01761C2064F1d0

• AIYieldStrategy: 0x9A951AAbE94134Cc4df4eAACD6117d94c8e4A2ea

• MockUSDC: 0x3e647B4E693B73bBa709cCF26E557698BE603a32

Active Pools:

• Small Pool: 0xa5fe7e4db7cc25a6aeb67f787be0c3da6a4e1b05

• Medium Pool: 0x71560fc237b64a7625a6056c7d02e303652ef1b7

• Large Pool: 0x98e5733617b661aa7bb5dd71185174ee8d519d76

All contracts verified on Mantle Sepolia Explorer: https://explorer.sepolia.mantle.xyz

Links

Website: https://arisanonchain.vercel.app

Repository: https://github.com/yt2025id-lab/Archa

Telegram: https://t.me/archaonchain

Pitch Deck: Available in repository docs folder

Future Roadmap

Phase 1 (Current - Q1 2026)

• Smart contract deployment on Mantle Sepolia

• Frontend with pool explorer and AI dashboard

• AI yield optimization across 5+ protocols achieving 8.5% APY

• Leaderboard and community features

• Multi-language support (EN/ID)

Phase 2 (Q2 2026)

• Mantle mainnet deployment with security audit

• VRF integration for provably fair winner selection

• Mobile app (iOS/Android)

• Telegram mini-app integration

• Automated USDC faucet for testnet

Phase 3 (Q3 2026)

• Multi-protocol yield aggregation (10+ protocols)

• Governance token launch

• DAO formation for protocol parameters

• Referral and incentive programs

Phase 4 (Q4 2026)

• Cross-chain expansion (Optimism, Arbitrum, Base)

• Partnerships with traditional arisan communities

• Enterprise treasury management features

• Target: 10,000+ active users

Vision

Making DeFi Culturally Relevant

Archa's mission is to prove that blockchain can enhance—not replace—traditional financial practices. By respecting cultural wisdom while adding technological security and yield optimization, we create solutions that people actually want to use.

The future of DeFi isn't about creating entirely new behaviors—it's about making existing trusted practices safer, more transparent, and more profitable.

Archa brings arisan to the 21st century, one smart contract at a time.