The savings circle your community trusts, made transparent.
Cenkali turns the tanda into a smart contract on Base. Members contribute USDC, turns rotate automatically, and every payout is visible on-chain — the same rhythm your family already knows, open for anyone to verify.
Try the testnet previewThe tradition is the hero
How a Cenkali circle works
Form your circle
You and people you trust agree on the amount, the schedule, and the payout order — the same list a tanda has always used.
Everyone contributes
Each round, every member puts in the same amount of digital dollars (USDC). The rules live in code anyone can inspect.
Payouts rotate automatically
When a round ends, the pot goes to whoever's turn it is. No one has to collect, hold, or hand off cash.
The circle protects itself
While money waits between turns, the protocol automatically puts it to work. What it generates first fills a built-in reserve that steps in if someone misses a payment.
Trust & safety
Straight answers
Where does the yield come from? While pooled funds wait between payouts, the protocol automatically supplies them to Aave, an established open lending market. Any interest Aave generates passes through to the circle. Historically this has ranged around 3.5–7% per year (variable) for USDC on Base — but it changes constantly and is not guaranteed. Some periods it will be lower. Cenkali does not pay, promise, or top up any rate.
Who holds the money? No one — including us. The smart contract follows fixed rules that no operator can override. Cenkali never holds, manages, or safeguards member funds. This is not a bank account, and funds are not FDIC-insured.
What if someone misses a payment? Each circle has a built-in reserve, funded from the yield the pool generates, that automatically covers missed contributions so the person receiving that round's pot is made whole. It follows fixed, public rules — it is part of the contract, not a company fund.
Where is this available? This is a testnet preview using test tokens only — no real money. Cenkali is not available in New York or the European Union.