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Inclusive Finance

The system is not designed for crypto natives. It is designed for the 1.4 billion unbanked people who have never held a private key.

Three-Key Custody

MPC primary key held on the user's device. Shamir backup split among three trusted contacts, any two of whom can reconstruct the key. Biometric fallback for device loss.

Designed so that illiterate users under threat of theft, confiscation, and coercion can recover funds without trusting a single institution. The system does not assume smartphone literacy. It assumes appropriate security calibrated to the user's capabilities and threats.

ROSCA Infrastructure

Rotating savings and credit associations formalized through smart contract escrow:

  • susu (West Africa)
  • chit fund (India)
  • arisan (Indonesia)
  • pasanaku (Bolivia)

On-chain reputation penalties for default. Priority bidding mode replicates India's chit fund discount mechanism. Used by over 11% of adults in developing economies.

Commitment Savings

Time-locked goals with 3–5% APR drawn from Protocol Treasury surplus. Early withdrawal carries a 10% penalty (5% burn, 5% to treasury). Emergency exceptions for medical, funeral, or eviction events.

Precedent: Ashraf, Karlan & Yin (2006) randomized controlled trial demonstrated that commitment savings increased savings by 81% among rural Philippine households. The mechanism works because humans struggle with self-control, and smart contracts are better at commitment than willpower.

Community Takaful

Cooperative risk pools for health, funeral, crop loss, housing damage, business interruption.

  • Parametric claims: Triggered by oracle (rainfall data, seismic sensors, satellite imagery)
  • Non-parametric claims: Resolved by majority member vote with receipt verification
  • Surplus: Distributed pro-rata at year-end

Not commercial insurance. Mutual aid infrastructure. Precedent: Sudanese Takaful Company (1979) survived multiple wars and sanctions by operating as a mutual rather than a corporation.

Citizen Distribution

Phase 3 opens with a hard-coded 50/50 split: half to the citizen's wallet, half to the partner government treasury. Enrollment requires:

  • Biometric binding
  • Civil registry verification
  • Three-key custody setup

The split is encoded in the enrollment contract and is not adjustable by governance.