This project touches different aspects of these listed problems in one way or other

There are lot of frictions for capital access especially for micro loans using platforms like Kiva, and with the traditional finance there is always gonna be geo-restrictions either due to liquidity access or regulatory side, but this approach solves for all of this and as the stable coin adoption increases this is gonna help a lot of people who had very less access to traditional finance and capitals.

Some of the other problems I think this or a derivative of this can be used in solving the following problems:

Predatory Lending Escape: Eliminates high-cost microloans by offering a fair, time-bound system where everyone contributes and gets a turn — no one pays more than they put in.

Structured Savings Discipline: Builds consistency in saving habits by introducing time-locked deposits, social accountability, and the emotional pull of a raffle-based reward.

On-Chain Trust & Transparency: Brings ROSCAs on-chain with full auditability, programmable fairness, and immutable smart contracts, removing informal system risks like fraud or mismanagement.

Social Finance Reinvigorated: Uses social trust, peer selection, and community coordination to power financial systems — replacing anonymous yield farms with meaningful, human-centered financial experiences.

Accessible, Intuitive UX: Strips away DeFi complexity by grounding the product in familiar concepts like saving circles, raffles, and group goals, with a fun and refined interface.