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Akyba update.
Web dApp + mobile App in progress:
On-chain ROSCA group creation
Mobile signing (non-custodial)
Deterministic transaction flow
Getting close.
Stay tuned
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Akyba Protocol
249 posts
Akyba Protocol
@AkybaProtocol
Decentralized ROSCA & ASCA on Cardano’s eUTxO model. Identity, governance & collateral fully on-chain. Open source. Community finance reimagined.
Katılım Kasım 2025
29 Takip Edilen148 Takipçiler
@sibyog13 Les usages existent déjà : tontines, WhatsApp, Mobile Money.
Le vrai manque aujourd’hui, c’est un système simple et peu coûteux pour gérer contributions, distributions et défauts de paiement.
C’est exactement ce qu’Akyba construit.
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En Afrique de l'Ouest, +60% des commandes e-commerce se font via WhatsApp, pas via un site web.
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@astroboysoup @v_vukman @wada_org Still early, we’re focused first on getting the ROSCA/stablecoin flow operational end-to-end. But M-Pesa is probably the most obvious first corridor given existing mobile money density and user behavior.
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@AkybaProtocol @v_vukman @wada_org wich corridor are you piloting first, M-Pesa->USDM or MTN MoMo->USDM?
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989,901 ADA to turn African hackathon projects into startups.
@wada_org is proposing a 12-month incubator after CATS 2026, taking 20+ projects across 10–12 hubs from hackathon ideas into MVPs, GitHub repos, pitch decks and Demo Day.
The upside: this targets the awkward gap after hackathons, where good ideas usually die.
The concern: reporting needs to be very concrete.
Does this create real Cardano builders and users, or more ecosystem activity reports?
*Not a paid promotion
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@AkybaProtocol @v_vukman @wada_org yeh. add instant FX with tight spreads and agent float mgmt. plug M-Pesa or MTN MoMo one side, USDM on Cardano the other, Yellow Card for cash in/out. are you building that bridge?
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@astroboysoup @v_vukman @wada_org Exactly. The protocol logic is solvable. The hard part is operational liquidity and recovery flows.
A ROSCA can’t behave like DeFi liquidation logic. Missed rounds need social + liquidity buffers, not just smart contract enforcement.
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@AkybaProtocol @v_vukman @wada_org ROSCAs make sense for repeat txs. The hard bit is cash-in/out and missed rounds. If someone skips a payment, does teh pool stall or do you buffer with an agent float?
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@astroboysoup @v_vukman @wada_org Fair. Cardano still lacks enough real recurring consumer flows.
That’s exactly why ROSCAs are interesting: recurring payments, recurring coordination, recurring trust, not just speculative activity.
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@AkybaProtocol @v_vukman @wada_org yeh, low ARPU still works when the problem is huge and distribution costs are low. Mobile money proved it at scale. The gap is unit economics on-chain, esp fees and cash-in/out. Where are you seeing Cardano use cases with repeat txs, not pilots?
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@astroboysoup @v_vukman @wada_org Ok. Demand already exists.
The real battle is rails:
mobile money <-> stablecoins <-> local agent networks.
Once that bridge is seamless, it stops being “crypto” and becomes financial infrastructure.
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@AkybaProtocol @v_vukman @wada_org yeh, ROSCAs show demand. The choke point is on-off ramps, FX, and agent networks. If Cardano ties into M-Pesa or Yellow Card and pushes a USD stable like USDM with cheap txs, it gets real. Without that, usage stays niche.
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“Low purchasing power” does not mean “low opportunity” when the problem space is massive and structurally unsolved.
And dismissing an entire continent as “uneducated” is not analysis. It’s bias.
Vex@v_vukman
@astroboysoup @wada_org That African narrative leads us nowhere, and it's been pushed forward since 2022. Sure, Africa is an opportunity because they're unbanked, but their purchasing power is so low, and people are so uneducated that all that focus on Africa makes no fu... business sense.
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@v_vukman @astroboysoup @wada_org “Low purchasing power” does not mean “low opportunity” when the problem space is massive and structurally unsolved.
And dismissing an entire continent as “uneducated” is not analysis. It’s bias.
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@astroboysoup @wada_org That African narrative leads us nowhere, and it's been pushed forward since 2022. Sure, Africa is an opportunity because they're unbanked, but their purchasing power is so low, and people are so uneducated that all that focus on Africa makes no fu... business sense.
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The real question is not “how many projects?”
It’s:
How many MVPs shipped?
How many users onboarded?
How many teams still building after 6 months?
Africa doesn’t need more ecosystem reports.
It needs durable products and real adoption.
Pete | Beware of Scammers@astroboysoup
989,901 ADA to turn African hackathon projects into startups. @wada_org is proposing a 12-month incubator after CATS 2026, taking 20+ projects across 10–12 hubs from hackathon ideas into MVPs, GitHub repos, pitch decks and Demo Day. The upside: this targets the awkward gap after hackathons, where good ideas usually die. The concern: reporting needs to be very concrete. Does this create real Cardano builders and users, or more ecosystem activity reports? *Not a paid promotion
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Thanks a lot @solidsnakedev
Does autoMinUtxo ever mutate outputs enough to break tx size limits (16KB) or reproducibility?
Jonathan@solidsnakedev
In the latest patch for Evolution SDK (0.5.7), we've added an opt-in `autoMinUtxo` feature to `BuildOptions` and `PayToAddressParams` for automatic minimum UTxO lovelace enforcement. Check it out!
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👏🏻👏🏻@astroboysoup
Pete | Beware of Scammers@astroboysoup
Cardano projects need more than announcements. They need people testing, designing, writing, making videos, creating tutorials, giving feedback and helping spread the word. That’s what I’m building with Learn Cardano Bounties. A project posts a bounty. The community submits work. The best effort gets rewarded. Simple idea, but it could activate a lot of underused talent in the ecosystem. Would you use this as a project, contributor, or both? bounty-preview.learncardano.io/bounties/23605…
QME
Akyba Protocol retweetledi
Cardano projects need more than announcements.
They need people testing, designing, writing, making videos, creating tutorials, giving feedback and helping spread the word.
That’s what I’m building with Learn Cardano Bounties.
A project posts a bounty. The community submits work. The best effort gets rewarded.
Simple idea, but it could activate a lot of underused talent in the ecosystem.
Would you use this as a project, contributor, or both?
bounty-preview.learncardano.io/bounties/23605…
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Thanks a lot @solidsnakedev 🙌
We use lucid-evolution in Akyba to build Plutus V3 transactions for ROSCA groups:
- backend builds unsigned tx (deterministic)
- mobile signs locally (non-custodial)
- full witness preservation + CIP-68 support
Jonathan@solidsnakedev
Midday SDK v0.6.1 out now github.com/no-witness-lab… Happy building!
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Catalyst Update.
Fund15 will not proceed in its proposed form as stewardship transitions to the Cardano Foundation.
Akyba applied to F15, so this affects us as it does all applicants.
This is not a rejection. It’s a structural pause.
We remain committed to bringing ROSCA & ASCA on-chain as RealFi infrastructure on Cardano.
We adapt. We build.
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🚀 Akyba Protocol - RealFi Infrastructure on Cardano
We are building the on-chain coordination layer for community finance (ROSCA & ASCA).
Why this matters:
• $100B+ informal savings market globally
• 800M+ people use rotating savings models
• Zero native Web3 infrastructure serving them
What we have:
✔ Live testnet MVP
✔ Deterministic smart contract engine
✔ Open-source (Apache 2.0)
✔ Real-world usage design
Akyba is not a dApp.
It’s the settlement primitive for decentralized savings.
Building RealFi from Africa → global scalability.
Explore: aikenakyba.web.app
#Cardano #RealFi #Web3 #AkybaProtocol
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