Moistello

Building

Fintech · Ecosystem product · My role: Built

What it is

Moistello is a digital savings circles platform — modernizing rotating savings groups (Ajo, Esusu, ROSCA) with transparent, programmable financial infrastructure.

Why it exists

Rotating savings groups run on trust and spreadsheets. For the millions of people who use them, moving the escrow and payout logic into transparent, automated infrastructure removes the single biggest failure mode: the person holding the money.

What I did

Built the product end-to-end: Next.js dashboard, backend orchestration, and smart-contract escrow
Designed the circle lifecycle — contribution schedules, payout order, and reputation
Worked across TypeScript, Go, and Rust to match each layer to its job

Technical decisions that mattered

Rust contracts for the money path

Funds escrow and payout distribution live in audited-style Rust contracts — the financial core gets the strongest guarantees, the app layer stays flexible.

Go for orchestration

Circle scheduling and reputation scoring run in a Go backend — concurrency-heavy coordination work suited to a language built for it.

What I learned

In fintech, correctness isn't a feature — it's the product. Every edge case in a payout schedule is someone's money.

Status

Building — active development