Goomapay brings the rotating savings circle — the one your community has trusted for generations — onto the Stellar blockchain. Contribute in USDC, get paid the moment it's your turn, and spend straight from your own wallet. No bank. No waiting. No one holding your money but you.
A circle of 6, one on-chain payout every cycle — the contract sends it to Adaeze this round.
Goomapay is a savings circle for the Stellar network. Create a circle with people you trust, agree on how much and how often to contribute, and let the rotation handle the rest.
Every contribution and every payout moves in USDC, settles on Stellar in seconds, and is recorded permanently on-chain. You always know who has paid, who's next, and exactly how much is in the pot.
Your funds sit in your own wallet between cycles — not on a platform, not in an admin's bank account. Even if Goomapay were offline, the money would still be yours.
Rotational savings has always run on trust between people. Goomapay keeps that spirit and removes the risk — the missed payout, the disappearing treasurer, the paperwork nobody can check.
Circles are formed by people you choose — family, coworkers, traders. Goomapay never centralizes the pot; it moves wallet to wallet on Stellar.
The rotation is enforced on-chain. When a cycle closes, the next member is paid automatically — no chasing, no treasurer who goes quiet.
Funds sit in your own Stellar wallet between cycles, not on Goomapay's servers. No platform can freeze or withhold your contribution.
Stellar settles the payout straight to the recipient's wallet almost instantly — not the 2–3 days a bank transfer takes.
On-ramp local currency into USDC to join a circle. Off-ramp your payout back to cash the moment you collect it.
Every payment in and out of the circle is a transaction on the Stellar ledger. Check it yourself, anytime, without asking anyone.
Four steps, repeating every cycle, for as long as your circle chooses to run.
Pick your group, set the contribution amount, and choose how often the cycle repeats.
Each member sends their share on schedule, directly from their own Stellar wallet.
When the cycle closes, Goomapay's on-chain logic pays the member whose turn it is — instantly.
Your payout lands in USDC. Off-ramp it to cash, or spend it straight from your wallet.
| Features & Guarantees | Goomapay | Traditional Ajo / Thrift | Bank Savings Group |
|---|---|---|---|
| Custody | You hold your funds. No collector, no admin controls the pot. | A collector or treasurer holds everyone's contributions. | The bank holds and controls the group's money. |
| Payout Speed | Settles to your wallet in under 5 seconds. | Paid by hand — as soon or as late as the collector allows. | 1 to 3 working days to clear a transfer. |
| Trust Required | Enforced by code, not by one person's word. | Entirely dependent on the collector's honesty. | Dependent on the bank's policies and hours. |
| Transparency | Every contribution and payout is checkable on Stellar. | Tracked on paper or a notebook — easy to dispute. | You trust the bank's private records. |
| Access to Funds | On-ramp and off-ramp to cash whenever you need to. | Fixed to the collector's schedule and location. | Limited by branch hours and withdrawal rules. |
Every design decision in Goomapay starts from one question: does this keep the member in control of their own money?
Contributions and payouts move directly between member wallets on Stellar. Goomapay never pools your money into a company account — there is nothing for a platform to lose or freeze.
Stellar settles transactions in seconds for a fraction of a cent — so a payout reaches your wallet before you'd finish checking your balance on a legacy bank app.
Every contribution, rotation, and payout is a cryptographically signed transaction on the Stellar ledger — a permanent, public record no single party can quietly rewrite.
Join the waitlist and we'll let you know the moment Goomapay opens for early circles.
Join Waitlist