Platform Features
Halo Protocol combines time-tested community finance with blockchain technology. Every feature is designed to be transparent, secure, and accessible.
Community-Powered Savings
Lending Circles
Lending circles (also known as ROSCAs) are a time-tested financial tool used by communities worldwide. Halo Protocol brings this tradition on-chain with smart contract guarantees, so every member can trust the process without trusting a middleman.
Key Details
- Form circles with 3-10 trusted members
- Set custom STX contribution amounts (10-500 STX per round)
- Rotating payouts ensure every member receives the pooled funds
- Smart contracts enforce contribution schedules automatically
- Transparent round tracking visible to all members on-chain
- Circle creator sets terms: duration, frequency, and contribution size
On-Chain Reputation
Credit Scoring
Build a verifiable credit score that lives on the Stacks blockchain. Your financial reputation is portable, transparent, and fully under your control -- no centralized credit bureau required.
Key Details
- Score range from 300 (starting) to 850 (excellent)
- Based on on-time payment history and circle completion rate
- Stored directly on-chain via the halo-credit smart contract
- Score tiers: Building (300-499), Fair (500-649), Good (650-749), Excellent (750-850)
- Higher scores unlock access to larger circles and better terms
- No centralized credit bureau -- your score is trustless and verifiable
Smart Contract Escrow
Secure Vault
All circle funds are held in a non-custodial smart contract vault. No single person controls the money -- payouts happen automatically when conditions are met, with every transaction auditable on-chain.
Key Details
- Funds held in the halo-vault Clarity smart contract
- Automatic payout distribution at the end of each round
- No admin keys or multisig required -- code is law
- Post-conditions ensure exact transfer amounts on every transaction
- Full audit trail of deposits and withdrawals on-chain
- Contract source is open and verified on the Stacks explorer
Earn While You Build
sBTC Staking
Stake sBTC (synthetic Bitcoin on Stacks) to earn yield while simultaneously building your credit score. Your idle assets work for you, and staking activity demonstrates long-term commitment to the protocol.
Key Details
- Stake sBTC through the halo-sbtc-staking contract
- Earn staking rewards proportional to your stake duration
- Staking activity contributes positively to your credit score
- Withdraw anytime -- flexible lock-up periods
- Rewards distributed automatically by the smart contract
- Bridging real BTC to sBTC supported via the Stacks sBTC bridge