I read your Whitepaper yesterday, what I can understand from it is that you want to create a platform where a group of people can come together a create a ROSCA (saving scheme is my part of the world). I don't understand how your token will increase in value also the issue of trust, how is this going to be enforced, I have BTC on BTCjam.com that has not been refunded because the borrower run away with the borrowed money