Washika DAO offers decentralized savings, peer-to-peer lending, and community governance specifically designed for marginalized communities. It allows members to save, earn interest, and take loans using their savings as collateral, with all decisions made through a transparent, token-based voting system. Unlike many DeFi platforms that focus on high-yield and complex financial tools, Washika DAO is built to serve community savings groups like VICOBAs and SACCOS in underserved regions. Additionally, Washika DAO uses stablecoins like cUSD for transactions, ensuring that users don’t face the risks associated with crypto volatility, a key differentiator for low-income and unbanked users.