Tozlow

Tozlow is a decentralized social commitment app built for friend groups,

families, and small communities who organize regular gatherings — dinners,

trips, hangouts, you name it.

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THE PROBLEM

We've all been there: someone confirms they're coming, doesn't show up,

and the rest of the group absorbs the cost — financially and emotionally.

Over 2 in 3 young adults admit to ghosting plans, and while 9 in 10 feel

guilty about it, more than half do it anyway (IPA/Opinium, 2025). 42%

overspend their social budget several months a year absorbing costs that

weren't theirs (Ally Bank, 2025). And 1 in 5 has lost a friendship over

financial tension caused by exactly this (Ally Bank, 2025). The issue

isn't bad friends — it's that confirming a plan costs nothing. There's

no real commitment, no accountability, no consequence.

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HOW IT WORKS

Tozlow turns a casual "yes" into a real commitment through a 3-step flow:

1. CREATE — The host creates a session: sets a group of 3–5 people,

a deposit amount per person (e.g. 5 USDC), a confirmation deadline,

and a post-event voting window.

2. DEPOSIT — Every participant transfers the agreed amount before the

deadline. If the group isn't complete in time, the session cancels

and everyone is automatically refunded. No one loses a cent.

3. VOTE & DISTRIBUTE — After the event, attendees vote on who was

absent (no self-voting, simple majority). The smart contract

instantly distributes funds: absentees lose their deposit, 90%

goes to those who showed up, and Tozlow keeps 10% as a service fee.

If everyone attends, all deposits are fully refunded — Tozlow

takes nothing.

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THE BUSINESS MODEL

Tozlow only earns when someone breaks their word. And here's the elegant

part: nobody feels like they're paying a fee. The person who didn't show

already lost everything. The people who did show receive money they

weren't expecting — even if it's 90% instead of 100%, it's still a

reward for showing up. Nobody feels punished. The contract just works.

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THE TECH

Smart contracts are written in Rust using Arbitrum Stylus — not Solidity.

This means better performance, lower overhead, and a more efficient

contract execution layer. Deployed on Arbitrum Sepolia. The frontend is

built in Next.js with a fully web2-style UI — no crypto jargon, no wallet

tutorials, no complexity exposed to the end user. Crypto wallets are used

under the hood, but Carlos — our user — just sees a clean, familiar app.

The onboarding experience at /welcome guides first-time users through the

product with section-based storytelling before dropping them into the

live dApp.

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THE VISION

Tozlow is more than a product — it's a statement. Blockchain doesn't have

to live in exchanges, DeFi dashboards, or NFT marketplaces. It can live

in a group chat. In a Friday night dinner. In something as simple, and as

human, as keeping your word. Tozlow is proof that the best blockchain

applications aren't always the most complex ones — sometimes they're the

ones that solve a problem every single person has felt before.