AI-Orchestrated Trustless Rotating Savings Circles — backed by Solidity escrow and Graph Neural Network credit-risk scoring.
Rotating savings circles (tandas, cundinas, ROSCAs) are the primary savings vehicle for over 1 billion unbanked people globally. They rely entirely on human trust — and suffer two catastrophic failure modes:
The coordinator disappears with the pooled treasury before completing the rotation cycle.
Early round payout recipients stop contributing, causing remaining members to lose deposits.
Custodian Risk — funds held in smart contract escrow, not by a human
GNN trust evaluation latency — graph intelligence scores every member
Average gas cost on Arbitrum Sepolia — micro-savings become viable
Members deposit stablecoins into escrow contract
Graph Neural Network evaluates wallet transaction graphs
Higher trust = earlier payout turn. Risky members = later + collateral
Completed cycles write verified, portable credit history to blockchain
App Router, Tailwind v4, premium fintech dashboard with real-time data from Supabase
Deployed on Arbitrum Sepolia. No admin keys. Trustless rotation payouts at $0.014 gas
Graph Neural Network constructs wallet transaction matrices and detects sybil clusters
Row-Level Security, real-time subscriptions, prefixed tables (ll_*)
Military-aesthetic command center with live circle rotation status, member trust scores, and contract event logs
Real-time wallet analysis showing transaction graph patterns, cyclic loop detection, and sybil cluster identification
Live event stream showing ContributionDeposited, PayoutDisbursed, and rotation status transitions
Simple transaction-count rules are easily gamed by wash-trading clusters that bounce capital back and forth. Our GNN evaluates the structure of connection graphs — identifying recursive patterns, self-funding loops, and coordinated deposit timing.
People participating in ROSCAs globally
Estimated annual ROSCA circulation volume
Estimated fraud/default rate in informal circles
Layer-2 networks make decentralized escrows commercially viable for low-income communities — gas costs under $0.02 per transaction.
| Feature | LedgerLoop | Traditional Tanda | P2P Lending App |
|---|---|---|---|
| Custodian | Smart Contract | Human Organizer | Corporate Entity |
| Credit Scoring | GNN Graph Analysis | Social trust | FICO / Bureau |
| Sybil Protection | Cyclic loop detection | None | KYC only |
| Cost | $0.014 gas | Free / informal | 2-5% fees |
| Credit History | On-chain, portable | None | Proprietary |
Solo developer building across the full stack — from Solidity smart contracts to Graph Neural Networks to production Next.js dashboards. Shipping end-to-end with AI-augmented workflows.
LedgerLoop replaces human coordinators with on-chain escrow and graph intelligence — unlocking secure credit for 1 billion unbanked people.
LedgerLoop · UOE Summer of Code 2026