A $4 Trillion Problem
Massive Informal Market
$4 trillion in informal lending operates globally with limited digital infrastructure
Trust & Scalability Issues
Traditional ROSCAs suffer from defaults, disputes, and geographic limitations
DeFi Access Gap
1.4 billion unbanked adults lack access to yield opportunities and DeFi tools
The Halo Solution
Digitized ROSCAs
On-chain lending circles with transparent smart contracts
Trust Scoring
On-chain reputation system that unlocks progressive credit benefits
DeFi Yield Integration
Circle funds earn yield via Solend, generating passive income for all members
How Halo Works
Create or Join Circle
Set contribution amount, duration, trust tier
Monthly Contributions
USDC automatically pooled via smart contracts
Payout Distribution
Fair rotation or auction-based distribution
Yield Generation
Idle funds earn yield, returns shared proportionally
Trust Building
Credit scores update, unlock higher limits
About Halo Protocol
Halo Protocol is revolutionizing community finance by bringing traditional rotating savings and credit associations (ROSCAs) on-chain. Built on Solana for speed and low costs, Halo enables transparent, trustless lending circles with integrated DeFi yield generation.
Team
Roadmap
- •Project start
- •Participation in Soonami Venturethon
- •Participation in Colosseum Cyberpunk
- •MVP Launch
- •Closed Beta Testing Waitlist
- •Public Beta Testing on Mainnet
- •Public Launch on Mainnet
- •$HALO Token Launch
- •HaloDAO Launch
Documentation
Join the Beta
Be among the first to experience decentralized lending circles. Join our closed beta and help shape the future of community finance.