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August 23

Webtransfer ROSCA: Interest-Free Financing the Future on the Blockchain

Webtransfer is announcing the launch of its interest-free collective savings and mutual support platform, Webtransfer ROSCA, in September 2025.

The new solution is based on the age-old principles of ROSCA (Rotating Savings and Credit Association) — a peer-to-peer lending system used by over a billion people in 90+ countries worldwide.


ROSCA: A Global Tradition of Mutual Aid

Rotating savings systems are known by various names around the world:

  • Tanda in Mexico and Latin America
  • Hui in China, Vietnam, and Thailand
  • Chit Funds in India and Sri Lanka
  • Hagbad in Somalia
  • Tontine in Cameroon and Ivory Coast
  • Susu in West Africa and the Caribbean
  • Njangi in Cameroon
  • Consorcio in Brazil

These systems operate successfully not only in developing countries but also among communities in the USA, Canada, and Europe, where people use them to buy cars, pay for education, and develop businesses.

Webtransfer ROSCA is created primarily for participants from Muslim countries and regions, as it is fully compliant with the principles of Islamic finance (No Riba), which means "no interest." However, its key principle — the absence of interest — makes this platform beneficial for everyone who prefers a fair and transparent exchange without additional financial costs.

When receiving a sum from the circle, you DO NOT incur a debt. Your next mandatory contributions are the “return” mechanism so that the next participants also receive their sum. It is forbidden to leave the circle or stop contributing until all rounds are completed—this ensures the trust and interest-free nature of the system.


How Modern ROSCA Works: A Practical Example

10 participants × 100 USDT = fair support without interest

Round 1: Pool Formation

  • 10 participants each contribute 100 USDT
  • Total Pool: 1,000 USDT
  • Operational Costs: 100 USDT (administration and affiliate)
  • For Distribution: 900 USDT
  • Result: 3 participants each receive 300 USDT interest-freeRound 2: Continuous Rotation

Round 2: Continuous Rotation

  • Recipients of support begin repayment in equal installments, continuing to make regular contributions
  • Other participants make new contributions
  • New Pool: 1,000 USDT again
  • Result: The next 3 participants receive 300 USDT each

The Principle of Fairness in Traditional ROSCAs

✅ Receive 300 USDT → repay 300 USDT

✅ No interest — the core principle of ROSCAs worldwide

✅ After repayment, you can participate in distributions again

Why ROSCAs Work Globally

🌍 Over a billion users. Economist F.J.A. Bouman calls ROSCA "a bank for the common person where money doesn't sit idle but circulates quickly, meeting needs for consumption and investment."

🏛️ Popular even in developed countries. In Germany, Bausparkassen systems operate, while in Canada, the number of digital ROSCA platforms is growing. In the USA, they are particularly popular among immigrant communities.

🕌 Compatible with Islamic finance. ROSCAs are inherently interest-free, making them fully compliant with Islamic finance and the principles of No Riba.


Webtransfer Innovations

💎 Blockchain Technology. The world's first ROSCA platform to support USDT and TON, ensuring full transaction transparency.

🔒 Global Security. Modern user verification and automated transaction processing replace traditional "social pressure."

📱 Digital Accessibility. Participation with a minimum contribution of 10 USDT via a Telegram app. A website and mobile app will follow later.

Why This Is Important Now

The COVID-19 pandemic significantly increased demand for alternative financial solutions. In Canada, non-profit organizations report an unprecedented surge in participation in lending circles, especially among young entrepreneurs and female business owners.

"ROSCAs provide a social structure for savings and strengthen community bonds," researchers note. "There’s a feeling that people are investing in your dream, even if in the end you get your own money back."

IMPORTANT: The information in this article is preliminary. The exact launch date and more detailed information will be published later.

Join the official WebtransferROSCA Telegram group to stay informed about all the news!

About Webtransfer

Since 2006, Webtransfer has served millions of users from various countries, processing transactions worth hundreds of millions of dollars.

Join the global tradition of mutual aid with modern technology — registration opens in September 2025.

#ROSCA #NoRiba #IslamicFinance #WebtransferROSCA #GlobalFinance

Contacts: info@webtransfer.com | https://webtransfer.com


Sources:

Webtransfer Partner
August 23, 05:47
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