Sociale

A comprehensive blockchain-based financial platform that transforms how African communities manage collective savings, send remittances, and build financial identity. Sociale digitizes traditional informal savings groups (Chamas, Stokvels, ROSCAs) by automating treasury management through Cardano smart contracts while providing affordable cross-border remittances and enabling credit access through verifiable on-chain financial history.

By replacing manual, paper-based record-keeping with transparent smart contract automation, Sociale addresses the $100+ billion flowing through informal African savings groups that currently operate with 10+ hours of monthly administrative overhead, fraud risks, and zero credit recognition. The platform integrates social entity management, remittance infrastructure (<1% fees vs. traditional 5-10%), self-sovereign identity, and AI-driven credit assessment into a unified ecosystem.

The platform serves millions of unbanked Africans (57% of the population) by providing instant account provisioning, flexible Cardano wallet integration, automated savings cycle operations, and comprehensive on-chain activity tracking that builds verifiable financial reputation—all while ensuring users maintain full custody of their funds and control over their financial identity.