Cenkali
  • Tandas
  • Hui
  • Arisan
  • Cundinas
  • Paluwagan
  • Susu

Older than any bank. Trusted by millions, one circle at a time.

419M

of adults participate in ROSCA-style savings groups worldwide, the same tradition, by many names.

Source: World Bank Global Findex Database

Read the story
Two friends laughing at a café table, looking at a phone together

Why “Cenkali”

Cenkali means “together in one house.” That’s what a circle really is: one roof, shared by people who show up for each other. We built the app to feel the same way.

Nahuatl language · cen + calli

Three friends smiling at their phones together Three generations of women hugging and laughing

The circle you already know, minus the guesswork.

  1. Create the circle

    Name it, set the contribution, the rounds, the rules. All visible before anyone pays.

  2. Invite your people

    Send a link by WhatsApp, text, or email, in English or Español.

  3. Contribute round by round

    One shared record: who paid, whose turn it is, what is in the pot.

  4. Take your turn

    The pot moves to you automatically, recorded on-chain for the circle to see.

See every step
Cenkali testnet preview: a demo circle in round 3 of 10 with a 500 test USDC pot
Testnet preview screen · test tokens only, not a live pool

Where the yield comes from.

3.5–7% variable APY

Historically, not guaranteed, not paid by Cenkali.

Idle USDC in the pool is supplied to Aave, an established lending market, and the variable yield it generates goes to the circle. Nothing is charged on the testnet preview. A protocol fee on yield is planned for the real-money product. Rates move with the market. Not guaranteed, not paid by Cenkali.

Read the details

Your money moves on rules, not promises.

A smiling man using a laptop outdoors

Non-custodial

Cenkali never holds, manages, or controls your funds. You keep your keys.

USDC only

Circles contribute and settle in one stable dollar token. No speculation.

On-chain, 24/7

Rules, contributions, and payouts live on Base. Verifiable by anyone, anytime.

Security review planned

Independent audits and a public bug bounty are planned before mainnet.

How we keep circles safe

Your questions, answered

Is Cenkali a bank?
No. Cenkali is software for running blockchain-based savings circles. There are no bank accounts, no deposit insurance, and no FDIC protection.
Is the yield guaranteed?
No. Yield comes from Aave V3 and is passed through to circles. Historically that has been 3.5–7% variable APY on Base, but it moves with the market and can fall.
Does Cenkali hold my money?
No. The protocol is non-custodial: smart contracts execute the rules while you keep control of your wallet keys.
Is it available now?
Not with real money yet. Cenkali is pre-launch — but a live, invite-only testnet preview is running on Base Sepolia with test funds, so you can walk through a full circle before real money is ever involved. Join the updates list to hear when circles open.
Where will it be available?
At launch, Cenkali will not be available to residents of New York or the European Union. We'll expand as the rules in each place become clear.
How does Cenkali make money?
Planned protocol fees for the real-money product: 0.75% of contributions and 15% of the yield a pool generates. Nothing is charged on the testnet preview.