The Modern Money Circle: By Latinés, For Latinés.
R.O.S.C.A.® is a social platform revolutionizing how our community organizes financial traditions. We’re modernizing the money circle to help you borrow, lend, and save with the people you trust most.
What’s R.O.S.C.A.?
R.O.S.C.A.® is a peer-to-peer social ecosystem built for our community. By combining the money circle traditions of our ancestors with modern security and accessibility, we’re taking financial freedom into our own hands.
Dinero Con Confianza
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Dinero Con Confianza 💵
R.O.S.C.A. Pa’ La Gente
Our goal is to facilitate Latiné communities in meeting their current financial goals–una boda, a first car, a new home, sending money to family members back home– and eventually achieving financial freedom. It’s more than just shifting the way you budget money, it’s about giving you culture-informed support, education, and organization you need to take ownership of your finances for generations to come.
How R.O.S.C.A. Money Circle Works
Our social app takes the budgeting circle traditions of our past and updates them to work for our community’s modern-day needs and realities. Here’s how it works:
Step 2: Gather your crew
Identify the members of your circle, get clear on the purpose and the rules of your circle, then, organize your money pool inside the app.
Step 3: Create your Settings
Whether your money circle is for an event, dealing with an emergency, or just need some breathing room, your circle’s got your back. Use the app to organize contributions, specifying the amount, reminders, and due dates: daily, weekly, monthly, or yearly.
Step 4: Stay on Track
The app automatically calculates individual balances, tracks when payments are due, and allows you to create customized notifications for payments and reminders. And, of course, you’ll also be able to access detailed reports.
Why It Matters
Tradition Meets Tech
Lending and money circles (Tandas, Cundinas, Susus) have provided financial lifelines for hundreds of years. We’re just giving them a digital home.
Empowering La Comunidad
Latines in the U.S. have a total economic output surpassing $3.2 trillion.
Tech-Savvy Saving
Latines use technology at the highest rate compared to other consumers.
Trusted Banking Alternative
Latine households in the U.S. are still underbanked or unbanked, citing high fees, unattainable minimums, and distrust in banks as the main reasons.
Save Fair, Save Smart
On average, Latines are one of the underserved groups in the U.S. charged more by financial institutions to use bank services.
Zoaboa Productions
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Maquette Advisors
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Priola Law
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Legalmiga Law, P.C.
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The Dream Lab
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Sabrina Castillo Coaching
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Oxford Comma Co.
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Monforte Studio
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Crowdbotics
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Maria Camila Photography & Videography
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Swag.com
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Zoaboa Productions • Maquette Advisors • Priola Law • Legalmiga Law, P.C. • The Dream Lab • Sabrina Castillo Coaching • Oxford Comma Co. • Monforte Studio • Crowdbotics • Maria Camila Photography & Videography • Swag.com •
A Special Thanks to Our Collaborators
Love Swag? We do, too.
Check out our latest R.O.S.C.A.® merch!
Start Your Money Circle
Have questions about starting your first digital money circle? We want to hear from you!