Save Like Your Abuela Did. Earn Like Silicon Valley Does.

Join savings circles (círculos) with friends and family. Earn 6-8% from DeFi while you save together. Borrow fairly when emergencies hit. All via WhatsApp—no app required.

Check Demo

9:41

DYORX Bot

online

saldo

9:40

Oi Maria! 👋

Seu Saldo Total

R$247,82

↑ +R$2,15 hoje

💰 Seus Círculos Ativos:

1️⃣ Família Santos

Posição: #3 de 10

Semana: 7/10

✅ Seu turno: Semana 3 (pago)

Recebeu: R$52,40

2️⃣ Motoristas SP

Posição: #7 de 8

Semana: 2/8

⏳ Seu turno: Semana 7 (5 semanas)

Vai receber: ~R$207

📈 Rendimento DeFi: 6,8% ao ano

💵 Guardado este mês: R$180

Digite "ajuda" para ver comandos

9:40

Built on Solana

Why Your Money Isn't Growing

Banks Destroy Your Savings

Traditional savings accounts pay 0.5% while inflation runs 5-10%. Your R$1,000 becomes R$950 in real value after one year. Banks profit. You lose.

Saving Alone Doesn't Work

Your abuela knew this. That's why she started a tanda. Saving with a community creates accountability. 70% of people can't save consistently without structure.

Emergencies = Debt Traps

Car breaks? Need R$500? Payday lenders charge 400%+ APR. One emergency ruins your finances for years.

How DYORX Círculos Work

See exactly how your money grows week by week in a DYORX savings circle

Four Steps to Financial Freedom

Join or Create a Círculo

Invite 5-10 friends via WhatsApp. Everyone contributes weekly (you choose the amount). Takes 30 seconds. No bank linking. No app download. Just name + phone = you're in.

Save Together, Earn Together

Every week, everyone contributes to the circle. Your turn comes, you get your payout PLUS 6-8% DeFi yield. Traditional tandas earn 0%. DYORX círculos earn 6-8%. It's your abuela's tanda, upgraded.

Watch Your Savings Grow

All circle funds go into DeFi protocols (Kamino Finance on Solana). Earn 6-8% APY while you wait for your turn. 100% transparent. Withdraw anytime. Your money grows while you sleep.

Borrow When You Need It

Emergency before your turn? Borrow up to 50% of your savings at 8-15% APR. No loan shark (400% APR). No credit check. Instant approval. Your own money. Fair rates.

Why DYORX Círculos Are Different

Traditional Tandas, DeFi-Powered

Your family has trusted círculos for generations. We don't change that. We just add 6-8% yield. Save the way you always have. Earn like never before.

100% WhatsApp Native

No app to download. No passwords to remember. Create circle: "create circle". Check balance: "saldo". Get your payout: Automatic. All in WhatsApp. Where your círculo already coordinates.

Save With Friends OR Strangers

Invite your family and friends (private círculo). Or join public círculos (matched by DYORX with vetted members). Gig workers? Join driver-only circles. Students? Student circles. Find your community.

Your Money, Always Safe

Bank level security, withdraw anytime

DYORX vs. Traditional Options

Feature	Traditional Tanda	Nubank Savings	Payday Loans	DYORX
How It Works	Save with friends, 0% yield	Solo savings, 0.5% APY	Borrow at 400% APR	Círculos + DeFi yields + fair loans
Savings Yield	0%	0.5%	N/A	6-8%
Community	✅ Yes (manual coordination)			✅ Yes (automated)
Loan Access	Maybe (swap positions)	Slow, needs credit check	Fast, 400%+ APR	Instant, 8-15% APR
Works via WhatsApp	✅ (manual group chat)			✅ (automated bot)
DeFi Yields

How It Works

Tanda

Save with friends, 0% yield

Nubank

Solo savings, 0.5% APY

Payday

Borrow at 400% APR

DYORX

Círculos + DeFi yields + fair loans

Savings Yield

Tanda

Nubank

0.5%

Payday

N/A

DYORX

6-8%

Community

Tanda

✅ Yes (manual coordination)

Nubank

Payday

DYORX

✅ Yes (automated)

Loan Access

Tanda

Maybe (swap positions)

Nubank

Slow, needs credit check

Payday

Fast, 400%+ APR

DYORX

Instant, 8-15% APR

Works via WhatsApp

Tanda

✅ (manual group chat)

Nubank

Payday

DYORX

✅ (automated bot)

DeFi Yields

Tanda

Nubank

Payday

DYORX

*DYORX is the ONLY platform combining traditional círculos with DeFi yields and fair lending.

Real People, Real Círculos, Real Savings

Join

Early Adopters

Countries Coming Soon

Solana

Built On

R$1

Minimum Contribution

Built for Gig Workers, Remote Workers, and Freelancers

Don't have 9 friends to start a círculo with? No problem. DYORX matches you with other gig workers:

🚗

Uber/99 Drivers

Join circles with other drivers from your city. Save for car maintenance together.

🛵

iFood/Rappi Delivery

Círculos for delivery workers. Save during good weeks, borrow during slow weeks.

💻

Freelancers/Remote

Match with other freelancers. Build emergency fund together.

Public circles are vetted. Members must have credit score 300+ and complete identity verification.

Safe. Trusted. Community.

Ready to Save with Your Community?

Join the waitlist and be first to access DYORX when we launch in 2026.