ROSCA 2.0: A DeFi-Enabled Revolution in Community-Led FinanceAbstractIn a world where traditional financial systems often fall short, the ROSCA 2.0 Protocol marks a paradigm shift by introducing a DeFi-enabled Rotating Savings and Credit Association (ROSCA). Originating from a centuries-old model where community members pool funds to create interest-free loans and incentivize savings—typically collateralized only by social capital—ROSCAs have been effective but limited in scope. We propose a ...