Stopping the Domino Effect: How I Built Resilico to Protect Community Lending

This is a submission for the DEV Weekend Challenge: Community The Community Growing up, I watched my neighborhood operate on trust. When someone needed money for medical bills or to start a small business, they didn't go to a bank—they went to their neighbors. These informal lending circles, common across India and many developing countries, are lifelines for families who fall outside the traditional banking system. But here's the thing: these communities are fragile. When one person defaults, it doesn't just hurt the lender, it triggers a cascade. The lender can't pay their own obligations, so they default. Then their lenders default. Like dominoes falling, one financial shock can devastate an entire network of families who were just trying to help each other. I built Resilico for these communities, the savings clubs, lending circles, cooperative societies, and neighborhood networks that keep people afloat but lack the tools to see danger coming. What I Built Resilico (Community Finan