ROSCAcoin
ROSCAcoin
Token: RCA


Finance for the Ordinary

ICO dates
Start date: 2018-04-01
End date: 2018-06-02

Registrated in: Singapore

Platform: Ethereum
Type: ERC20

PREMIUM ICO

HARA

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https://roscacoin.io/ Screenshot
ROSCAcoin categories
Big Data Business services Internet Platform Software
ROSCAcoin whitepaper
ROSCAcoin token sale
KYC passing required Yes | Whitelist No | Restriction for countries No
Tokens for sale 30,000,000,000
Token distribution in ICO
30%
30%
Price 1 ETH = 22,000 RCA
Price in PreICO 1 ETH = 40,000 RCA
Acceppting ETH, BTC
ROSCAcoin news, social
ROSCAcoin search trends in Google
Random whitepaper excerpts

Table of Contents
1 Executive Summary ................................................................................................................................................ 3
2 Vision And Mission Statement............................................................................................................................... 4
3 Market Overview ..................................................................................................................................................... 5
4 The ROSCAcoin Ecosystem .................................................................................................................................... 7
4.1 ROSCA Lending Circle (RLC)............................................................................................................................ 8
4.1.1 How RLC work? .......................................................................................................................................... 8
4.1.2 Example of RLC ....................................

9 Our Team .................................................................................................................................................................. 31
9.1 Core Team ....................................................................................................................................................... 31
9.2 Advisors............................................................................................................................................................32
10 Appendix: ................................................................................................................................................................. 33
ROSCACOIN Whitepaper V1.0
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1 E
XECUTIVE
S
UMMARY
ROSCAcoin is a self-regulating, autonomous and decentralized blockchain platform. With the
blockchain technology which encompasses smart contract features, ROSCAcoin able to build a financial
solution ecosystem which leverages social capital and trusties to collaborate with better financial
options by eliminating higher cost of borrowing, easier financing, better investment options and
diversification of risk.
ROSCAcoin Ecosytem platform will offer multiple financial solutions to our user, as below:
1. ROSCA Lending Circle (RLC)
2. ROSCA Credit Score (RCS)
3. ROSCA Merchant Program (RMP)
4. ROSCA P2P Platform (RPP)
5. ROSCA Crowdfunding Platform (RCP)
6. ROSCA Charity Platform (RYP)
7. ROSCA Lucky Draw Platform (RLD)
Each platform will be developed progressively, and the whole ecosystem is projected to complete in
year 2022. Besides that, we will also invest in some potential projects which able to boost our
ROSCAcoin recogniti...

2 V
ISION
A
ND
M
ISSION
S
TATEMENT
Background:
Finding shown there are still many people in the world who do not possessed bank account or
credit record. Majority of these people are from remote area or country side, which are either
lack of accessibility to banking facilities and networking infrastructures, or facing restriction by
national governance boundaries. Banks or financial institutions are also challenged to reach
out to them. For instance, a farmer in a remote town in the Philippines are distanced from any
loan application either domestic or foreign, for an intended substantial purchase.
To provide a solution for the above uncompromising situation, ROSCAcoin concept was
thought out and design to help the

d
isconnected”
people. We believe cryptocurrency is the
answer, because it is easy to access in any part of the world without boundaries at a low
transactional cost. Besides that, with Blockchain technology ...

3 M
ARKET
O
VERVIEW
Rotating
and
Saving Credit Associations
(
ROSCA
) method is a group of individuals who agree to
meet together for save and borrow purpose with a defined period. It is a form of combined peer-to-
peer banking (P2P) and peer-to-peer lending (P2P).[8]
According to Wikipedia ‘F.J.A. Bouman described ROSCAs as
'the poor man's bank, where money is
not idle for long but changes hands rapidly, satisfying both consumption and production needs.'
[1]
They are also known as
tandas
(Latin America),
partnerhand
(West Indies),
cundinas
(Mexico),
ayuuto
(Somalia),
hagbad
(Somaliland),
susu
(West Africa and the Caribbean),
hui
(

)(Asia),
palawugang
(Philippines),
Gam'eya
(Middle East),
kye
(

) (South Korea),
tanomosiko
(
頼母子講
) (Japa...

The global market size of the ROSCA is estimated more than 500B USD per year. (The calculation
taken will be 1%-10% times the GDP of the country benchmark by India) Besides, the P2P lending
market is growing rapidly and has a market size of 70B USD per year globally.
With the statistical details above, we see the huge potential for ROSCAcoin to penetrate this financial
market.
** ROSCA = Rotating saving and credit association
P2P = Peer to peer
ROSCACOIN Whitepaper V1.0
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4 T
HE
ROSCA
COIN
E
COSYSTEM
ROSCAcoin Ecosystem is a complete, transparent, free and effective financial solution. This Ecosystem
will contain multiple financials solution provide to our users for investment or lending purpose, the
financial platforms in ROSCAcoin Ecosystem is as below:
1. ROSCA Lending Circle (RLC)
2. ROSCA Credit Score (RCS)
3. ROSCA Merchant Program (RMP)
4. ROSCA P2P Platform (RPP)
5. ROSCA Crowdfunding Platform (RCP)
6. ROSCA Charity Platform (RYP)
7. ROSCA Lucky Draw Platform (RLD)
Besides that, we will also look in to invest in some potential projects which can promote ROSCAcoin,
such as:
1. Merchant for goods and services.
2. Build internet and network infrastructure in remote area.
3. Build ROSCAcoin Kiosks in remote area to help our user.
ROSCACOIN Whitepaper V1.0
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4.1 ROSCA L
ENDING
C
IRCLE
(RLC)
ROSCA Lending Circle (RLC) is our first and primary product. It contains ROSCA methodology and
consists of blockchain’s smart contract which automates the saving, borrowing and
other ROSCA
processes. The ROSCA lending circle presents the contribution amount, funds allocation for bidding
process and fund withdrawal of every month. The platform can be conveniently operated and
managed via its website and mobile devices. Due to the product
’s
networking nature, user can create
or join the ROSCA lending circle within the trusted community and hence can expand the networking
web. Besides, we will provide incentives to the users who create the servicing pool that would provide
financial services and assistance for the needed person. Moreover, participants can earn interest as well
based on the interest they bid. With the adopted technology, we are able to strengthen and enhance
the ROSCA method by automating the process, create o...

ROSCAcoin Roadmap

1
2017 September
Market Research October - Business Plan, Marketing Plan, Whitepaper Documentation.
2
2018 March
March - Pre ICO launch.
April - ICO launch.
July - ROSCA Lending Circle (RLC) Core & Mobile Development.
August - ROSCA Lending Circle (RLC) & ROSCA Merchant Program (RMP) MVP Testing, ROSCAcoin listing in token exchange platform.
October - ROSCA Lending Circle (RLC) Final Product Development.
3
2019
January - ROSCA Credit Score (RCS) Product Development.
April - ROSCA Lending Circle (RLC) & ROSCA Merchant Program (RMP) Go Live.
May - ROSCA Credit Score (RCS) Go Live.
August - ROSCA P2P Platform (RPP) Core & Mobile Development.
October - ROSCA P2P Platform (RPP)MVP Testing.
4
2020
January - ROSCA P2P Platform (RPP) Final Product Development.
April - ROSCA P2P Platform (RPP) Go Live.
July - ROSCA Crowdfunding Platform (RCP) Core & Mobile Development.
August - ROSCA Crowdfunding Platform (RCP) MVP Testing.
October - ROSCA Crowdfunding Platform (RCP) Final Product Development.
5
2021
January - ROSCA Crowdfunding Platform (RCP) Go Live.
April - ROSCA Lucky Draw Platform (RLD) Core & Mobile Development.
June - ROSCA Lucky Draw Platform (RLD) MVP Testing.
October - ROSCA Lucky Draw Platform (RLD) Final Product Development.
6
2022
January - ROSCA Lucky Draw Platform (RLD) Go Live.
March - ROSCA Charity Platform (RYP) Core & Mobile Development.
May - ROSCA Charity Platform (RYP) MVP Testing.
August - ROSCA Charity Platform (RYP) Final Product Development.
November - ROSCA Charity Platform (RYP) Go Live.
Boon Lee
Boon Lee ACMA CGMA, Co-founder, Product, Strategy

Troy Woo
Troy Woo Co-founder, Finance, Operation

Franky Tan
Franky Tan Co-founder, Business Development

Wilson Chin
Wilson Chin Co-founder, Business Development

Shu Han Goh
Shu Han Goh Co-founder, Mobile Lead

Muhammad Chairullah (Irul)
Muhammad Chairullah (Irul) Back End Engineer, Indonesia Community Lead

Sraawan Kumar
Sraawan Kumar Full Stack Engineer, India Community Lead

Justin Goh
Justin Goh Co-founder, CTO

Ken Ho
Advisors Ken Ho IT Advisor

Wilson Ng
Advisors Wilson Ng Business Consultant

Foong Wei Chieh
Advisors Foong Wei Chieh Business Consultant

Troy Woo
Troy Woo
Co-founder, Finance, Operation
Product Manager & Data Scientist