01
Keep the group close
Kolo is designed around WhatsApp, where many savings circles already plan, remind, and keep each other accountable.
A familiar way to coordinate
COMMUNITY SAVINGS, BUILT FOR STELLAR
Ajo, Esusu, Chama.Together on Stellar.
Kolo is building a WhatsApp-first way for savings circles to coordinate contributions and take turns—using Stellar for digital asset settlement and Soroban for group rules.
Kolo is in active development. Wallet and savings screens are prototypes; no live savings service is offered here.
Example circle
The Sunday Circle
Cycle contributions4 of 6 members
✓Ada
✓Tunde
✓Mina
✓Kofi
·You
·Next
Designed to settle on Stellar
Clear rules. Shared record.
Illustrative product concept · not live account or blockchain data
The Kolo approach
Community-led saving, with Stellar underneath.
Familiar group habits meet a shared digital ledger. Each layer has a clear job.
02
Move value on Stellar
The product is being built to use Stellar assets for contributions and payouts, with a clear transaction trail members can verify.
Open network settlement
03
Make the rotation explicit
Soroban contracts are intended to encode group membership, contribution rules, and the order members receive the pooled funds.
Rules represented on-chain
From agreement to shared record
A familiar circle. A clearer flow.
Kolo brings the coordination people know together with Stellar’s digital asset rails.
01
Agree as a circle
Members choose the contribution amount, frequency, participants, and payout order together.
The group sets the rules
02
Contribute digitally
Kolo is designed to coordinate contributions through WhatsApp and settle supported assets through Stellar.
Stellar moves the value
03
Follow the rotation
Soroban contracts can represent the agreed rules and payout order, while the group tracks each cycle together.
Soroban represents the rules
This describes the intended product flow; the full savings journey is still under development.
Designed for Stellar
A clear role for every layer.
Stellar is more than a badge on the page. It is the planned settlement network for Kolo’s digital savings. Soroban gives group agreements a place to live on-chain; WhatsApp keeps the experience close to the community.
Explore the Soroban contractsKolo is in development. Production asset, custody, and contract deployment decisions are not yet finalized.
01WhatsApp
Kolo product
Where the group coordinates
02
Kolo backend
Kolo productMembership, schedules, and messages
03
Stellar
Stellar ecosystemWallets, assets, and settlement
04
Soroban
Stellar ecosystemOn-chain group rules and state
The goal
Community rules, visible settlement
Many names. One shared idea.
Saving together is already a technology.
Across communities, people have built ways to save through trust, routine, and shared responsibility. Kolo’s ambition is to support those practices with digital coordination and a transparent Stellar record.
Ajo
NigeriaMembers contribute on a shared schedule and take turns receiving the pot.
Esusu
West AfricaA trusted group practice built on consistency, mutual support, and clear agreements.
Chama
East AfricaPeople pool their contributions to make shared goals easier to reach.
Straight answers
What we’re building—and what we’re not.
Building in the open
Community savings deserves clear rules and open rails.
Kolo is being built in public across its web app, WhatsApp backend, and Soroban contracts. Explore the code and follow the work as the Stellar integration takes shape.