Traditional Filipino Savings,
Powered by Blockchain
Paluwagan is a time-honored Filipino community savings tradition where members take turns receiving the group's pooled contributions. PaluwagOn brings it on-chain — trustless, transparent, and accessible to everyone.
100%
On-Chain
0%
Middleman Fees
5s
Settlement
How PaluwagOn Works
Three simple steps to start saving with your community. No banks, no paperwork, no trust issues.
Create or Join a Group
Start your own paluwagan circle with friends, family, or coworkers. Set the contribution amount, pick the schedule, and invite members. Or browse existing groups and join one that fits.
Contribute USDC Every Round
Each round, every member sends their fixed USDC contribution to the smart contract. The contract holds the funds securely — no one can touch them until conditions are met.
Receive the Full Pot
When it's your turn, the smart contract automatically releases the entire pooled amount to your wallet. No delays, no disputes, no middleman taking a cut.
The cycle repeats until every member has received the pot. Everyone contributes the same total. The only difference is when you get your lump sum.
Why Go On-Chain?
See how PaluwagOn compares to traditional savings methods.
Traditional Paluwagan
Trust-based
Bank Savings
Institutional
PaluwagOn
Smart contract
PaluwagOn combines the community spirit of traditional paluwagan with the security of blockchain technology.
Platform Numbers
Growing every week as more communities join.
$0
USDC Locked
Total value secured in active groups
0+
Payouts Completed
Successful on-chain distributions
0.0
Avg Group Size
Members per paluwagan circle
$0
Saved in Fees
vs. traditional banking & remittance
Why PaluwagOn?
We keep the bayanihan spirit alive while removing the risks of traditional systems.
Trustless & Secure
Smart contracts enforce every rule. Funds are locked until all conditions are met. No one can run away with the pot.
Borderless Access
Overseas Filipino Workers can join paluwagan groups back home. All you need is a wallet — no bank account required.
Stable Value (USDC)
Contributions are in USDC stablecoin. No volatility risk — 1 USDC always equals $1. Your savings stay stable.
Community-First
Designed for real communities — barkada, office groups, family circles. The tech stays invisible; the trust stays human.
Transparent Records
Every contribution and payout is recorded on-chain. No disputes, no lost receipts. Everyone can verify everything.
Zero Fees
Stellar transactions cost fractions of a cent. No platform fees, no service charges. 100% of your money goes to your group.
Savings built on bayanihan
For generations, Filipinos have practiced paluwagan as a way to help each other achieve financial goals. PaluwagOn honors that tradition by making it safer, faster, and available to anyone with a phone — whether you're in Manila, Cebu, or anywhere in the world.