Cardano smart contracts for transparent governance and financial operations in savings cooperatives — SACCOs, stokvels, chamas, and similar member-owned financial groups.
Built with Aiken targeting Plutus v3.
Savings cooperatives face a recurring set of trust problems: funds can be mismanaged, governance decisions can be made without accountability, and members — especially diaspora — have limited visibility into the group's operations.
These contracts address that directly. Every material action a cooperative takes — admitting a member, approving a withdrawal, passing a governance vote, committing a batch of transactions — is recorded on Cardano with cryptographic guarantees. No central authority can silently alter the record.
| Contract | Description |
|---|---|
| Audit Anchor | Merkle root commitments forming a tamper-evident transaction history |
| Entity Registry | Cooperative identity, member roster, and admin keys |
| Governance | Proposals, voting, quorum, and parameter management |
| Treasury Management | Multi-signature fund management |
Each cooperative is represented by a set of independent UTxOs — one per contract. Multiple cooperatives coexist at the same script addresses.
Members can link a KERI Autonomic Identifier (AID) to their on-chain record. KERI provides self-sovereign identity that is not bound to any single blockchain. With the Cardano Foundation's cardano-backer tool, KERI Key Event Logs can be anchored directly on Cardano, making the identity chain independently verifiable on-ledger.
See KERI_INTEGRATION.md for details.
Requires Aiken v1.1.15 or higher.
# Type-check and run all tests
aiken check
# Compile and generate plutus.json
aiken buildsociale-sc/
├── docs/
│ ├── ARCHITECTURE.md # System design and UTxO model
│ ├── AUDIT_ANCHOR.md # Verifiable audit trail specification
│ ├── KERI_INTEGRATION.md # KERI identity and cardano-backer
│ ├── ROADMAP.md # Current state and direction
│ └── contracts/ # Per-contract reference documentation
├── lib/ # Shared types and utilities
│ ├── audit_anchor/
│ ├── entity_registry/
│ ├── governance/
│ ├── member_nft/
│ └── treasury_management/
├── validators/ # Contract implementations and tests
│ ├── audit_anchor/
│ ├── entity_registry/
│ ├── governance/
│ ├── member_nft/
│ └── treasury_management/
└── legacy/ # Archived competition submission (reference only)
Apache License 2.0