Tozlow

# Tozlow

Tozlow is a decentralized social commitment app built for friend groups, families, and small communities who organize regular gatherings — dinners, trips, hangouts, you name it.

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## The Problem

We've all been there: someone confirms they're coming, doesn't show up, and the rest of the group absorbs the cost — financially and emotionally.

- Over **2 in 3 young adults** admit to ghosting plans, and while 9 in 10 feel guilty about it, more than half do it anyway *(IPA/Opinium, 2025)*- **42%** overspend their social budget several months a year absorbing costs that weren't theirs *(Ally Bank, 2025)*- **1 in 5** has lost a friendship over financial tension caused by exactly this *(Ally Bank, 2025)*

The issue isn't bad friends — it's that confirming a plan costs nothing. There's no real commitment, no accountability, no consequence.

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## How It Works

Tozlow turns a casual "yes" into a real commitment through a 3-step flow:

1. **CREATE** — The host creates a session: sets a group of 3–5 people, a deposit amount per person (e.g. 5 USDC), a confirmation deadline, and a post-event voting window.

2. **DEPOSIT** — Every participant transfers the agreed amount before the deadline. If the group isn't complete in time, the session cancels and everyone is automatically refunded. No one loses a cent.

3. **VOTE & DISTRIBUTE** — After the event, attendees vote on who was absent (no self-voting, simple majority). The smart contract instantly distributes funds: absentees lose their deposit, 90% goes to those who showed up, and Tozlow keeps 10% as a service fee. If everyone attends, all deposits are fully refunded — Tozlow takes nothing.

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## The Business Model

Tozlow only earns when someone breaks their word. And here's the elegant part: nobody feels like they're paying a fee.

- The person who didn't show already lost everything.
- The people who did show receive money they weren't expecting — even if it's 90% instead of 100%, it's still a reward for showing up.

Nobody feels punished. The contract just works.

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## The Tech

| Layer | Stack |
|-------|-------|
| Smart Contracts | Rust + Arbitrum Stylus (not Solidity) |
| Network | Arbitrum Sepolia |
| Frontend | Next.js — web2-style UI |
| Onboarding | `/welcome` — section-based storytelling |

Smart contracts written in Rust using Arbitrum Stylus — not Solidity. This means better performance, lower overhead, and a more efficient contract execution layer. The frontend is built in Next.js with a fully web2-style UI — no crypto jargon, no wallet tutorials, no complexity exposed to the end user. Crypto wallets are used under the hood, but the user just sees a clean, familiar app.

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## The Vision

Tozlow is more than a product — it's a statement. Blockchain doesn't have to live in exchanges, DeFi dashboards, or NFT marketplaces. It can live in a group chat. In a Friday night dinner. In something as simple, and as human, as keeping your word.

> Tozlow is proof that the best blockchain applications aren't always the most complex ones — sometimes they're the ones that solve a problem every single person has felt before.