Savings circles on WhatsApp — earning DeFi yield.
DYORX digitizes informal savings circles (consórcios) for Latin America, adding 6–8% APY through Solana DeFi while keeping the social trust mechanisms that make them work. No app. No wallet. No crypto knowledge needed — just WhatsApp.
141 million Brazilians participate in savings circles — informal rotating savings groups where members pool money monthly and take turns receiving the full pot. They are a deeply trusted financial tool across generations, with one critical flaw: the money earns nothing while it waits.
Traditional banks offer 0.5–1% APY. Inflation runs at 4–10%+. Every month a member waits for their payout, their contributions are losing real value.
DYORX runs entirely through WhatsApp — the app already on 96% of Brazilian smartphones. Users deposit, join circles, and receive payouts via familiar chat commands. Behind the scenes, all pooled funds are deployed to Kamino Finance on Solana, generating 6–8% APY.
The blockchain is completely invisible. Users experience a savings circle. We handle the yield.
Marco gets a WhatsApp link from a friend:
Marco: join A1B2C3D4
DYORX: ✅ You're in — Friends Circle!
👥 4 members · $50 USDC/month
🎯 Your position: #3 of 4
📅 Your payout: June 2026
Your deposits earn ~6% APY while you wait.
Each month:
DYORX: 📅 Contribution due: $50 USDC — reply "deposit 50"
Marco: deposit 50
DYORX: ✅ $50 deposited. Earning ~6% APY on Kamino Finance.
On payout day:
DYORX: 🎉 Your payout is here!
Circle contributions: $200.00
Yield bonus: + $3.84
───────────────────────────
Total via PIX: $203.84
Traditional savings circle: $200. DYORX: $203.84.
See the full interactive demo →
| Factor | Detail |
|---|---|
| Savings circles | 141M consórcio participants · $80–160B annual turnover |
| Payments | PIX: 150M+ users, instant, free — perfect deposit rail |
| Distribution | WhatsApp on 96% of smartphones — no new app needed |
| Crypto | 16M+ holders, 90% in stablecoins, deep USDC liquidity |
| Regulation | Clearest crypto framework in Latin America |
| Precedent | Nubank (122M users) proved digital finance demand |
- Interface: WhatsApp via Twilio — commands in Portuguese (
/saldo,/circles,/historico) - Blockchain: Solana — $0.0003/tx makes micro-transactions economically viable
- Yield: Kamino Finance (primary, $1B+ TVL, 5–9% APY) · MarginFi (secondary, 4–8% APY)
- Payments: PIX for BRL deposits and payouts · USDC on Solana internally
- Custody: Custodial model with multi-sig wallets — users never touch crypto
Protocol yield (Kamino + MarginFi): 7–9% APY
Passed to users: 6–8% APY
DYORX spread (revenue): 1–2% APY
Aligned incentives: DYORX earns only when users earn. No subscription fees.
At 100K users with R$500 average balance → ~R$5M annual revenue from yield spread.
| Phase | Status | Milestone |
|---|---|---|
| Pre-seed | Now | MVP on devnet · seeking $300K · co-founder search |
| Phase 1 | Q2–Q4 2026 | PIX integration · soft launch · 100–500 users |
| Phase 2 | 2027 | 10K–100K users · Payment Institution license · seed round |
| Phase 3 | 2028+ | Mexico · Colombia · Chile · Series A |
- TAM: 140M+ savings circle participants across Latin America
- SAM: Brazil + Mexico + Colombia → $800M–1.6B AUM at 1% market capture
- Year 3 target: 200K users · R$500M deposits · R$5M revenue
MVP running on Solana devnet. Core mechanics validated — WhatsApp bot, circle management, yield calculation, payout flow. Currently raising pre-seed ($300K) and seeking a technical co-founder (Solana/Rust background).
DYORX — Making every savings circle smarter.