Why MÖSARSY is Not a Scam or Ponzi Scheme

The ROSCA (Rotating Savings and Credit Association) model has existed for centuries and is used by millions worldwide. Unfortunately, some informal or poorly managed ROSCA groups have given the system a bad reputation by running unsustainably, mismanaging funds, or operating without transparency.

MÖSARSY was designed specifically to eliminate those risks through structure, transparency, and automation. Here’s why it cannot be a Ponzi scheme or scam:

1. No New Members Needed for Payouts

In a Ponzi scheme, payouts to existing members depend on constantly recruiting new participants. In MÖSARSY, all payouts are funded entirely by the contributions of the existing ring members — no outside recruitment is required for the system to function.

2. Fixed, Transparent Rules

• The payout schedule and amounts are set at the start of the cycle and visible to every member.

• No hidden changes — once the group agrees, the order and timing are locked in by the system.

3. Equal Participation

Every member is both a contributor and a recipient during the cycle.

• Everyone gets the same opportunity to receive their lump-sum payout.

• No member gets special treatment or higher returns than others.

4. No Promises of Unrealistic Returns

Ponzi schemes lure victims with “guaranteed” high profits from secret investments. MÖSARSY makes no such claims — it simply rotates the pooled contributions among members in a fair, pre-agreed order.

5. Funds Are Traceable and Secure

• All contributions and payouts are recorded in real time on the platform.

• Each member can see the full history of transactions in their ring.

• This transparency removes the possibility of hidden mismanagement.

6. No Central Profit from Member Funds

Unlike fraudulent schemes that siphon money to the organizers, MÖSARSY never touches your group’s pooled funds for profit. The platform’s revenue comes from optional admin tools and premium features — not from taking members’ money.

New Innovation: Monthly Interest Sharing

Here’s where MÖSARSY truly breaks new ground: In addition to the traditional rotating payouts, a percentage of the interest earned on loans within each Ring of Trust is distributed monthly among all community members.

This means:

• Even when it’s not your turn to receive the main payout, your balance still grows each month.

• This monthly distribution rewards active participation and helps everyone see continuous value from being in the community.

• It transforms the ROSCA model from a wait-your-turn system into a constant benefit cycle.

In Simple Terms

A Ponzi scheme depends on secrecy, lies, and endless recruitment. MÖSARSY depends on openness, honesty, and the same set of rules for everyone. It’s a modernized, digital version of a centuries-old trust-based system — with safeguards that make abuse impossible. We all grow together — and we all benefit together, every month.

Angel Garcia Ontiveros

Founder, MÖSARSY

Financial empowerment, built on trust.