Circlworld — Your savings group, on the record.

Every circle operates within a governance framework. Some rules are set by the platform and cannot be changed. Others are set by the Treasurer and members at formation and can be changed by vote. Platform rules (fixed): • Every contribution must be confirmed by the Treasurer • Every member must complete KYC verification • Standing scores are computed by the algorithm — nobody can adjust them • The CPR deduction is mandatory • Disputes follow the platform's resolution framework Circle rules (changeable by vote): • Contribution amount • Contribution frequency • Rotation order • CPR percentage (within 2-5%) • Late payment grace period • Governance fee • Member exit rules • Whether to activate a lending pool To change a circle rule: create a proposal on the platform, describe what you want to change and why, set a voting window (48 hours to 7 days), and let members vote. Operational changes pass with a simple majority (more than 50%). Structural changes (contribution amount, member exits) require a two-thirds supermajority. Your role: you can propose and you can vote (you are a member too). But do not pressure members. Present the facts. Explain the reasoning. Let the circle decide.

Circle rules and voting

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