Sayari is a decentralized community savings and micro-lending platform built on the Sui blockchain. Inspired by African traditions of communal support, Sayari enables members to contribute funds, access loans, and build wealth transparently and securely.
Many informal savings groups (popularly known as Chamas) in Africa face:
- Mismanagement of funds
- Lack of trust
- Loan defaults with no recourse
- No transparency in contributions or voting
Sayari solves these challenges using smart contracts, automated governance, and on-chain transparency.
Sayari provides:
On-chain Contribution Tracking – no more paper records Trustless Loans – governed by smart contract rules KYC for Accountability – ensures members are traceable if they default Democratic Governance – decisions via proposals and voting Exit Mechanism – members can leave and reclaim their fair contributions
- Users: Community members, admins
- Features: Register, contribute, request loans, vote, exit
- Non-functional: Secure, low gas, scalable, KYC=enabled
- Smart Contracts (Move on Sui)
- Frontend (React + Tailwind)
- Backend/Storage (Optional IPFS for docs)
- Wallet Integration (Slush/Sui Wallet)
- Phase 1: Smart contract – member management, contributions
- Phase 2: Loan logic, voting, proposal system
- Phase 3: UI – onboarding, dashboards, loan requests, voting
- Phase 4: Integrate KYC and off-chain metadata
- Unit testing smart contracts
- Integration tests for frontend-backend
- Simulated testnet launch
- Deploy on Sui mainnet/testnet
- Launch with test Chama groups
- Add analytics
- Enable governance upgrade system (e.g. via DAO module)
| Feature | Description |
|---|---|
| Member Registration | With optional KYC for fraud prevention |
| Contributions | Tracked on-chain by timestamp and amount |
| Loans | Only eligible after X months & contribution thresholds |
| Voting | For group proposals: loans, exits, rule changes |
| Member Exit | Fair refund of funds, post-loan clearance |
| Transparency | View all transactions on-chain |
- Must have no active loans
- Gets refunded based on contributions (exact or % of pool)
- Once exited:
- No more voting/borrowing
- Marked inactive in the contract
- Optional: Governance vote for exits over a threshold
"Sayari" = Universe in Swahili. It represents the power of people coming together to save, lend, and grow.
- Sui Blockchain – fast and scalable Layer 1
- Move – secure smart contract language
- React & Tailwind CSS – modern frontend stack
- Sui Wallet – for secure interaction
- KYC integration with ID verification APIs
- Analytics dashboard
- Multi-language & multi-community support
- Mobile-first UI
Sayari – Built for Africa. Powered by community. Secured by Sui blockchain.