ROSCAcoin – To create a decentralized ecosystem of financial solutions using blockchain technology

ROSCAcoin (RCA) is a cryptocurrency supported by self-governing, autonomous, decentralized, self-decentralized Rotating and Saving Credit Associations (ROSCA) ecosystem platform. With blockchain technology that includes smart contract features, ROSCAcoin is able to build ecosystems of financial solutions that leverage social capital and trust to collaborate with better finance options by eliminating higher borrowing costs, easier financing, better investment options and risk diversification.

The ROSCA method is a group of individuals who agree to meet together for the purpose of saving and borrowing for a certain period of time. This is a mixed form of peer-to-peer banking (P2P) and peer-to-peer lending (P2P).

There are more than 1 billion people or 17% adults in developing countries worldwide using ROSCA to store / borrow and support each other in their trusted communities. In addition, more than 2 billion people or 39% of the world’s population do not have bank accounts in the world and they may need help for some financial activities such as loans. The bank system is contradictory because its purpose is to serve the rich, not the poor. For people who do not have bank accounts, no good salary jobs, and poor credit scores, it will be very difficult for them to get financial support like bank loans from traditional financial institutions. In fact, they are a group of people most in need of help. Other than that,

ROSCA’s global market size is estimated at more than 500B USD per year. (Calculations taken will be 1% -10% times GDP from the country’s benchmark by India) In addition, the P2P lending market is growing rapidly and has a market size of 70B USD per year globally.


The findings indicate there are still many people in the world who do not have a bank account or credit record. The majority of these people are from remote areas or villages, who lack access to banking facilities and network infrastructure, or face restrictions by national governance limits. Banks or financial institutions are also challenged to reach them. For example, a farmer in a remote town in the Philippines is far from loan applications both domestic and foreign, for substantial purchases desired.

To provide a solution to the above uncompromising situation, the concept of ROSCAcoin is thought out and designed to help people who are “cut off”. We believe cryptocurrency is the answer, as it is easily accessible anywhere in the world without restrictions with low transactional costs. In addition, with Blockchain technology we will be able to create a decentralized platform to help individuals or businesses to be a source for investors from around the world.

To make it happen, a solid infrastructure for accessibility and the Internet network must exist. We have plans to allocate some investment to build infrastructure in this remote area (according to local regulations and regulations).


Build ongoing partnerships with wealthy and business people who will invest in the same vision to provide financial solutions and seek accessibility of financial facilities for the needy.


To create a decentralized ecosystem of financial solutions using blockchain technology. To create a transparent platform for all parties involved. To allow users to have the authority to control and manage their financial solutions without any third-party intervention at low cost. To create a crypto community where rich people and businesses connect directly with their stakeholders.


The ROSCAcoin ecosystem is a complete, transparent, free and effective financial solution. This ecosystem will contain some of the financial solutions provided to users for investment or lending purposes, the financial platforms in the ROSCAcoin Ecosystem are as follows:
1. ROSCA Loan Circle (RLC)
2. Credit Score ROSCA (RCS)
3. ROSCA Merchant Program (RMP)
4. ROSCA P2P Platform (RPP)
5. ROSCA Crowdfunding Platform (RCP)
6. ROSCA Charity Platform (RYP)
7. ROSCA Lucky Draw Platform (RLD)
In addition, we will also seek investment in some potential projects that can promote ROSCAcoin, such as:
1. Merchants for goods and services.
2. Building Internet and network infrastructure in remote areas.
3. Build ROSCAcoin Kiosk in remote areas to help our users.


45% of the funds we get from RCA tokens will be allocated to our team’s salaries and benefits, as we believe our team members are the main assets of the ROSCAcoin organization. 15% will be allocated for office and overhead expenses, such as office rent, utilities, furniture and installation. 15% will be allocated to our contractors, including legal counsel, outsourced gift services, outsourced designers and other outsourced services. 10% is funding our marketing activities, and these expenses include business development and digital marketing. 10% for other projects such as implementation for traders ROSCAcoin, Kiosk, and building infrastructure for remote areas. The remaining 5% of the funds will form a contingent reserve.



For more information about the company, please click on the links below:
Technical description: 4.pdf 
Link to profile Bitcointalk :;u=1234556
About Toni Leon

Author: mampham
ETH: 0xC8C92A22a6BeBC985ABF761b0B483c2bD4e3457F

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