Tandot 🎰
Did your tanda organizer run off with the money? Never again.
Trustless, AI-managed savings circles guaranteeing every payout via Arbitrum smart contracts and Bitso MXNB.
The $40B Trust Problem
In Mexico, rotating savings circles (tandas) are the backbone of informal finance. But they rely entirely on the honesty of a human organizer.
ERROR: 1 in 3 tandas fail.
The organizer vanishes with the pooled funds. Zero recourse. Zero insurance. Communities lose money and trust.
Math & Machine Intelligence
1. GPT-4 Trust Scoring
We replace the human organizer with an unbiased AI agent. It analyzes behavior, financial history, and referral networks to dynamically score and match members safely.
2. Arbitrum Escrow
Funds are locked in a decentralized vault using MXNB (Peso stablecoin). No single person controls the pool. Payouts are executed by code, guaranteeing delivery.
Three Steps. Zero Trust.
Join
AI evaluates your trust score (0-100) and matches you with a verified, low-risk group.
Contribute
Pay seamlessly in local currency via Bitso SPEI. Converted instantly to MXNB on Arbitrum.
Get Paid
Smart contract automatically disburses the pooled MXNB directly to your wallet on your turn.
Engineered for Scale
Watch It Work
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1. AI Match Panel See GPT-4 calculate your Trust Score in real-time based on your profile metadata.
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2. Escrow Lock Verify the smart contract isolating group balances on Arbiscan—immune to cross-drain attacks.
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3. Auto Payout Observe the Bitso webhook trigger the contract to release MXNB directly to the round winner.
Deep Ecosystem Integration
Bitso Business
Pay-ins, MXNB transfers, Mass Payouts, Webhooks.
$3,900
Arbitrum
Escrow deployed to Arbitrum Sepolia for low-fee settlements.
$650
ETH Mexico
LATAM financial inclusion through DeFi + AI.
$1,500
A Massive Untapped Market
This isn't a niche Web3 tool; it's a structural upgrade to a cultural institution relied upon by millions.
$40 Billion
TAM: Informal savings market in LATAM.
$10 Billion
SAM: Digital-first underbanked population.
Why Tandot Wins
| Feature | Traditional Tandas | Web2 Bank Apps | Tandot |
|---|---|---|---|
| Trust Model | High Risk (Human) | Medium (Corporate) | Trustless (Escrow) |
| Friction | High (Cash Logistics) | High (Bank Bureaucracy) | Low (Crypto Rails) |
| Intelligence | None | Basic Credit Bureau | GPT-4 Dynamic Scoring |
The Next 90 Days
30 Days: Mainnet
Migrate from Sepolia to Arbitrum Mainnet. Activate Bitso production keys for live SPEI-to-MXNB onramps.
60 Days: Conversational UI
WhatsApp and Telegram Mini-App integration. Allow users to join and pay tandas directly via chat to capture older demographics.
90 Days: Yield Farming
Deploy idle MXNB into low-risk DeFi yield pools (e.g., Aave) during the cycle, returning accrued interest back to the tanda members.
Edy Cu
Full-Stack Web3 & AI Engineer specializing in financial tools for LATAM.
- → Next.js 16 / React 19 Frontend
- → Solidity Smart Contracts
- → Generative AI Integrations
- → 100% Test Coverage Enforcer
Solo Developer
Building trustless infrastructure.
Trust, Automated.
Support our mission to secure the savings of millions.
Let's make financial loss in tandas a thing of the past.