> For the complete documentation index, see [llms.txt](https://onex-3.gitbook.io/onex-document/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://onex-3.gitbook.io/onex-document/community-finance.md).

# Community finance

## 11.1 Digital ROSCA (Rotating Savings and Credit Association)

ONEx brings the world's oldest financial instrument on-chain, removing intermediary trust while preserving community benefit. Smart contracts enforce every rule automatically.

A ROSCA (also known as chit fund, tanda, hui, or susu depending on the region) is a group savings mechanism where members contribute a fixed amount each period and one member receives the entire pool — rotating until every member has received their payout once.

**ONEx Digital ROSCA features:**

* Smart contract enforcement — no trust required between members
* Customizable contribution amount, frequency, and group size
* AI-optimized payout order based on member preferences and needs
* Credit score improvement for all members who complete the cycle
* Optional: ZK-verified membership for privacy
* Default insurance: if a member misses a payment, the pool is made whole from their stake

## 11.2 Community Lending Pools

Peer-to-peer lending with AI-managed risk diversification:

| Parameter                  | Specification                                  |
| -------------------------- | ---------------------------------------------- |
| Minimum pool entry         | $10                                            |
| AI-managed diversification | Across borrower profiles automatically         |
| Shared default risk        | Distributed across all pool members            |
| Community governance       | Pool parameters voted by members               |
| Target yield               | 8–15% APY (varies by pool risk tier)           |
| Default protection         | ZK credit score verification for all borrowers |

## 11.3 Group Wallets

Multi-signature group wallets for families, businesses, and communities:

* Customizable signing rules (2-of-3, 3-of-5, etc.)
* Individual spending limits per member
* Shared savings goals with progress tracking
* Business expense categorization
* Automated splits for recurring shared expenses