A cloud enabled ROSCA (Rotating Savings and Credit Association), members invite their trusted network into their peer-to-peer lending and borrowing group, in order to help each other save larger sums of money without large bank loan fees.
You choose who you work with. The database has security set up through a blockchain database that verifies the person's identity. Pay in different currencies, including cryptocurrencies.
Saving alone can be challenging. Financial accountability allows everyone to build a social group that allows you to have fun, and be empowered.