The Financial Ripple Effect of MÖSARSY: How Everyone Wins

At MÖSARSY, our mission is simple: empower communities to save, lend, and grow together —without debt. Our platform digitizes traditional Rotating Savings and Credit Associations (ROSCAs) — known globally as tandas, susus, or chamas — so they’re transparent, automated, and globally scalable.

But MÖSARSY doesn’t just benefit the people inside a savings ring. It creates value across the entire financial ecosystem — for individuals, financial corporations, and even the banking system.

1. Benefits for People

• Debt-Free Access to Capital – Members receive lump-sum payouts without interest, avoiding credit card debt or payday loans.

• Improved Financial Discipline – Fixed contributions build saving habits and long-term money management skills.

• Community Security – Participation strengthens trust and mutual support, reducing reliance on risky informal lending.

• Financial Inclusion – People without a credit score or bank account can still participate in a structured, transparent financial system.

2. Benefits for Financial Corporations

• New Customer Segments – MÖSARSY connects corporations to untapped markets — unbanked or underbanked communities — for tailored services like insurance, investments, or remittances.

• Partnership Opportunities – Fintechs, credit unions, and payment providers can integrate with MÖSARSY to offer value-added services directly to savings groups.

• Data Insights (Ethically Managed) – Aggregated data on financial behavior (with user consent) can inform product development and risk assessment without exploiting individual users.

3. Benefits for the Banking System

• Lower Credit Defaults – As people rely less on high-interest debt, default rates and loan write-offs can decrease over time.

• Onboarding the Unbanked – Banks can partner with MÖSARSY to introduce first-time users to basic banking services, bridging the gap between informal and formal finance.

• Strengthened Local Economies – Group savings keep capital circulating locally, fueling microenterprise growth and improving loan repayment capacity.

4. The Network Effect

The more people and institutions engage with MÖSARSY, the stronger the ecosystem becomes. Individuals gain financial stability, corporations gain new customers, and banks gain trust with emerging markets. It's a win-win-win — powered by a centuries-old model and modern technology.

Angel Garcia Ontiveros

Founder, MÖSARSY

Financial empowerment, built on trust.