Money Pools inspired by Latinés, para todos.

Join our R.O.S.C.A. comunidad today!

R.O.S.C.A. is a comunidad inspired by the Mexican concept of tandas and cundinas — modernizing a tried and true tradition to help people break financial barriers together. Download our app (currently in beta) and tell us how we can make it better!

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Download on iPhone

🇲🇽 Tanda 🇲🇽 Cundina 🇬🇹 Cuchubal 🇸🇻 Cuchubale 🇧🇿 Syndicate 🇵🇦 Pandero 🇵🇪 Junta 🇧🇴 Pasanacu 🇻🇪 San 🇨🇱 Polla 🇧🇷 Consórcio 🇩🇴 Sociedad 🇯🇲 Partners 🇹🇹 Sou-Sou 🇭🇹 Sol 🇧🇸 Esu 🌍 Susu 🇪🇹 Equb 🇰🇪 Chama 🇿🇦 Stokvel 🇸🇴 Hagbad 🇪🇬 Gam'eya 🇲🇦 Dart 🇵🇰 Kameti 🇮🇳 Chit Fund 🇨🇳 🇻🇳 Hụi 🇵🇭 Paluwagan 🇰🇷 Gye

What’s R.O.S.C.A.?

R.O.S.C.A. is a peer-to-peer budgeting social app — made for everyone, inspired by Latiné culture — built on the money circles (tandas) of our ancestors, now reimagined with modern tech, security, and accessibility.

Our app is currently in beta, and we'd love your help making it better! Please give us your feedback as you use our app!

English Survey

Spanish Survey

R.O.S.C.A. Pa’ La Gente

Our goal is to support communities using tandas — or anything similar — not just to close financial gaps, but to build generational wealth and open doors to financial investing. Whether it's para una boda, your first car, a new home, or sending money back to la familia, we're here to help you reach your goals.

Tandas are more than a way to budget; they're culture-informed support, financial education, and organization to help you take ownership of your finances for generations to come.

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Let’s bring yesterday’s traditions with today’s tech.

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Why It Matters

Tradition Meets Tech

Lending circles have been around for hundreds of years in countries around the world

Empowering La Comunidad

Latinés in the U.S. have a total economic output surpassing $4.4 trillion.

Tech-Savvy Saving

Immigrant communities use technology at the highest rate compared to other consumers.

Trusted Banking Alternative

Latiné households in the U.S. are still underbanked or unbanked, citing high fees, unattainable minimums, and distrust in banks as the main reasons.

Save Fair, Save Smart

On average, Latinés are one of the underserved groups in the U.S. charged more by financial institutions to use bank services.

Let’s break it down

Our social app (beta) takes the budgeting circle traditions of our past and updates them to work for our community’s modern-day needs and realities. Here’s how it works:

Step 1: Get the Software

Download R.O.S.C.A. to your iPhone or Android.

Step 2: Gather your crew

Identify the members of your circle, get clear on the purpose and the rules of your circle, then, organize your money pool inside the app.

Step 3: Create your Settings

Whether your money circle is for an event, dealing with an emergency, or just need some breathing room, your circle’s got your back. Use the app to organize contributions, specifying the amount, reminders, and due dates: daily, weekly, monthly, or yearly.

Step 4: Stay on Track

The app automatically calculates individual balances, tracks when payments are due, and allows you to create customized notifications for payments and reminders. And, of course, you’ll also be able to access detailed reports.

Step 5: Give Feedback

We want your feedback! R.O.S.C.A. is going through a major upgrade, and your feedback will be instrumental in our growth! Take our Spanish Survey or our English Survey.