HalkaHow it works

How Halka works

A savings circle — known as altın günü, ROSCA, tanda, or susu — made transparent and enforceable on Stellar. No middleman, no trust assumptions: the contract holds the pot and rotates payouts.

  1. 1

    Create or join a circle

    Set the contribution and collateral, or join an open circle. Each circle is its own Soroban contract.

  2. 2

    Everyone contributes each round

    Members send equal amounts into a shared on-chain pot — real XLM, fully transparent.

  3. 3

    One member receives the pot

    Each round, the recipient takes the whole pot. They don’t contribute that round — they’re collecting.

  4. 4

    It rotates until everyone’s paid

    The turn moves on each round, so every member gets the pot once. Defaults are slashed from collateral.

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