Join a trusted circle of 20 members. Everyone contributes $200/month — one member receives $3,600 each cycle. Simple. Transparent. Powerful.
Quick KYC check. We confirm who you are to protect every member of the circle.
Securely connect your bank account via Plaid. ACH debits are handled automatically each cycle.
Browse open circles or create your own. Once 20 members join, the circle activates.
Each cycle, one member receives the full pool. Your position is assigned on join order.
Account numbers stored with Fernet (AES-128-GCM). Your bank credentials never touch our database in plaintext.
Every ACH transfer is processed by Dwolla — a licensed US money transmitter serving Venmo, Gemini, and CarGurus.
Every cent is tracked like a bank balance sheet — no dangling payments, provably balanced, fully auditable.
Government ID + selfie verification via Persona. Everyone in your circle is a verified, real person.
A member who fails to contribute after two automatic retries is marked delinquent and loses their payout position. The remaining members continue normally — Sol guarantees the pool advances as long as the majority pays. No one covers for a defaulter.
Payouts rotate based on join order. If you're position 5 in a 20-member circle, you receive the pool on cycle 5 — 5 months after the circle activates. You'll see your exact position + expected payout date before you commit to joining.
You can leave a circle while it's still forming (before it activates). Once a circle is active, you're committed until your payout cycle completes — this is how ROSCAs have worked for centuries and what makes them reliable for everyone involved.
The fee covers ACH processing costs, KYC verification, fraud monitoring, and Sol's operating expenses. So in a $4,000 pool, you receive $3,600. The fee is fixed, transparent, and charged only when you receive your payout — never on contributions.
Sol is currently in limited beta. Money movement runs through Dwolla, a licensed US money transmitter registered with FinCEN. Before opening to the general public, Sol is completing money transmitter licensing in each state we serve.