5.5.1. Savings Groups’ Characteristics

The general characteristics of each group of savings are as follows, but not limited to;

• Each savings group has a participation fee, which is determined by the platform and paid to the platform, according to the group size basically (savings pool size).

• Each group has a pool size limit, which expresses the payment that each participant will receive at the end of each period.

• Each savings group has a predetermined crypto asset that specifies in which asset the savings will be made (with which cryptoasset the group payments will be paid and received).

• Each savings group will be on a blockchain network that is selected by considering the group size, group assets, and networks integrated into the platform, and on which the relevant group works.

• Each group has a timeline (deadline) for when the savings savings will be paid to the participants and when their participants will meet their payment obligations.

• In each savings group, there is a security deposit that the user who receives payment at the end of a certain period must deposit to ensure that they will fulfill their payment responsibilities until the group ends as a result of the payment received.

• In each group, there are rules regarding the process to be carried out regarding the liquidation of users who do not make their payments on time and fulfill their obligations.