Moistello Documentation

Welcome to the Moistello documentation. Here you'll find everything you need to know about using the platform, creating savings circles, and understanding how everything works.

What is Moistello?

Moistello is a decentralized rotating savings and credit association (ROSCA) platform built on the Stellar blockchain. Members form savings circles, contribute USDC each cycle, and one member receives the pooled payout per round. Soroban smart contracts enforce rules, handle payouts, apply penalties, and track reputation.

Key Features

Passkey-only auth — Sign in with Face ID, fingerprint, or platform biometrics. No passwords, no Freighter, no email.
Auto-created wallets — Every member gets a Stellar wallet funded with 2 XLM from the master pool. No manual wallet setup needed.
Zero platform fees — The smart contract applies apply_fee(pool, 0). Everything you contribute goes to members.
USDC only — All contributions and payouts in USDC. Yellow Card provides NGN↔USDC on/off ramp.
MoiScore — 0–1000 reputation score computed server-side based on streaks, completions, volume, and recency.
No KYC, no email — Privacy-first. Your passkey is your identity.

Quick Links

Getting Started — How to sign in and create your first circle
Circles — Understanding savings circle mechanics
Reputation — How MoiScore works
Security — Platform security and best practices
FAQ — Frequently asked questions