pod - chit together

Important ## *Please Visit https://pod-chit-together.pages.dev/ and Try our Kiity Agent live to know about our project *

Inspiration

Saving circles were the earliest banks. For generations, across cultures, they have existed as susu, ajo, chit funds, paluwagan, and tanda. They help groups turn small regular contributions into a lump sum exactly when someone needs it most.

The idea is powerful. The coordination is painful.

Today, saving circles still run on memory, manual follow-up, social pressure, and blind trust. When someone pays late, disputes a payment, or faces an emergency, the whole system becomes fragile.

That is why we built pod.

What it does

pod modernizes saving circles.

It helps the right people save together, keeps the shared pot reliable, and coordinates the messy human side of group finance.

With pod:

• bunq moves the money
• TigerBeetle keeps the ledger correct
• 8 AI agents coordinate matching, rules, reminders, disputes, emergencies, payouts, and trust updates
• a multimodal agent guides users through the journey with voice, screen sharing, and live feedback, making the system understandable and usable in real time for new and existing users.

In short, pod turns informal social trust into programmable trust.

Why it matters?

pod reimagines a financial tradition that has powered communities for centuries and brings it into a new era, where AI coordinates people, banking rails move money, and trust becomes operational.

The multimodal layer is not just a nicer interface. It is part of how the product works. Saving circles are complex and hard to manage. People need guidance, reassurance, and clarity at the moment they act. By combining voice, screen sharing, and live feedback, pod helps users understand what is happening, what to do next, and why the system can be trusted.

This makes saving circles safer, clearer, and easier to scale. pod reduces confusion, conflict, and chasing while making contributions and payouts more dependable.

That means:

• urgent needs can be met more reliably
• small contributions become useful lump sums
• groups spend less time resolving tension
• users get live guidance instead of being left to navigate complex group finance alone
• a trusted community tradition becomes easier to scale

What’s next

1. Safer consent

• richer consent flows
• biometric approvals on sensitive actions
• stronger fraud and collusion detection

2. Better group formation

• cultural and language-aware onboarding
• stronger matching logic
• reputation portability across pods

3. Production-grade money movement

• deeper real-world bunq flows
• more resilient payout handling
• deployment for communities already using saving circles today
• richer multimodal guidance with more proactive support and feedback

Built With

• docker
• fastapi
• flutter
• fly.io
• postgresql
• python
• supabase
• superbase
• tigerbeetle