Goal Finance

GoalFi is a decentralized social saving protocol where squads save together, earn yield, and unlock funds when the goal is reached. all enforced by smart contracts, no middlemen needed.

Live project: https://goal-finance.vercel.app

PROBLEM

Coordinating shared savings with friends, groups, or communities is hard.
You rely on one person to hold money, chase others for contributions, and hope no one backs out. This creates friction, mistrust, and often causes plans to fall apart.

In Web2, collaborative finance is siloed, custodial, and exclusionary. There's no way to trustlessly pool funds toward a shared goal without centralized control or gatekeepers.

SOLUTION – Goal Finance

GoalFi is a decentralized social saving protocol that enables group vaults with built-in fairness and accountability.
Anyone can start a Goal Vault — set a target amount, deadline, and invite others to contribute.

• ✅ If the total goal is reached in time, funds unlock for the intended purpose.

• ❌ If not, everyone gets fully refunded — no loss, no middlemen.

All logic is governed by smart contracts, ensuring transparent, trustless, and fair coordination.

It also supports optional yield strategies (Aave, Morpho, etc.), allowing contributors to earn while waiting — with rewards only unlocked if the goal succeeds. This builds a fun, gamified layer to saving.

ALIGNMENT WITH FAIR3

• Technological Fairness:
  Removes centralized custody from group finance — no single person holds the funds, ensuring equity and transparency.

• Creator Economy & Community Infra:
  DAOs, communities, and creators can launch collaborative vaults for shared events, merch, crowdfunding, or projects — all verifiable and programmable.

• Reputation & Governance:
  Integrates contribution tracking and on-chain score to reflect financial reliability over time — a potential portable reputation layer.

• Public Coordination Engine:
  This is a live experiment in how humans can collaborate without bosses, using code as rules instead of trust.

📢 GO-TO-MARKET STRATEGY

• Start with Gen Z use cases:

  • Group trips

  • K-pop concert funds

  • Arisan-style savings

  • Birthday/event plans

  • Couple savings goals

• Launch as Telegram mini-app, widget, and eventually browser-based dApp

• Partner with campus clubs, creators, and DAOs

VISION

We imagine a future where saving together doesn't require trust — only commitment.
GoalPay is the coordination layer for a more fair, fun, and programmable economy — where groups can pool, unlock, and fund dreams with rules set in code.

As FAIR3 asks:

"How can humans collaborate without bosses?"
Goal Finance answers: With vaults, deadlines, and a little DeFi magic.