This is what happens to your money
You lend to Roca under a fixed-rate mutuo agreement, in dollars. Roca lends those funds to employees who repay through payroll deduction, as it has for 15 years.
Invitation only. Every investor goes through identity verification and Roca's approval.
Roca is not an experiment: it has lent through payroll for 15 years, many borrowers come back for a second loan, and 36,000 affiliated employees are waiting for capital for theirs.
What you are buying
A fixed-rate mutuo
You sign a mutuo agreement with Roca: the obligation to return your capital plus a fixed rate, in dollars. It does not depend on each employee paying; that portfolio is Roca's risk.
Payroll collection
Roca collects through direct payroll deduction, among the most reliable collection methods after mortgages. Ordinary Mexican credit agreements, enforceable in Mexican courts.
The on-chain contract is the cash register
It records who put money in, how much came back and what each person is owed. It is not the loan; it is the record nobody can edit.
The journey, step by step
Five steps. No fine print.
1. Your wallet
1. Your wallet
You create it in a minute with the Face ID or fingerprint you already use. The key is yours: Roca cannot sign for you or move your money. You can enable a recovery backup in case you lose your phone.
2. Identity verification
2. Identity verification
You do it with didit, an independent provider. Your documents stay with them: Roca only receives a yes or no and a reference number.
3. Roca's approval
3. Roca's approval
Passing verification does not grant access automatically. Roca decides who participates in each placement, person by person. We contact you when your access is approved.
4. Review and deposit
4. Review and deposit
You see the pool's rules before committing: size, term, monthly yield, minimum ticket and deadline. None of them change after the pool is created.
5. While the pool runs
5. While the pool runs
Roca draws the total once and lends it out. As payroll collects, the money returns to the pool. Your rate is fixed in the mutuo, and you can withdraw what is available whenever you want.
How the money moves
You deposit dollars. Roca draws once, converts to pesos and lends. Payroll collects every period, Roca converts back and pays the pool, and you withdraw what is available. Every collection is squared against its bank receipt, the CEP.
Pool health, in plain sight
Three layers, from the most public to the finest grain.
On chain, in public
Every deposit, draw and repayment of the pool is visible on Starkscan, in real time. There is no private version of the numbers.
In your panel
The pool's funding progress, your position and how much you can withdraw today. The contract is the source; the panel only reads it.
Squared against the bank
Every collection batch is squared against the bank's official receipt, the CEP Banxico issues for each transfer. That reconciliation is kept auditable: anyone can verify each payment matches a real bank transfer, without exposing any employee's data, and a receipt can never be used twice.
What the software guarantees
Written into the pool's contract. Nobody can change it.
Only you can move your money.
Roca draws exactly once, and at most what was deposited.
Your withdrawal never blocks. Not on pause, not in an emergency.
Only approved investors get in.
The rules do not change after the pool is created.
What backs your contract
The software keeps the register. The mutuo carries the obligation.
Roca owes you your capital plus a fixed rate, in dollars.
Enforceable in court, like any formal credit.
Arbitrable in more than 170 countries under the New York Convention.
Backed by a portfolio collected through payroll.
The risks, plainly
No contract removes risk. This is what exists and how it is handled.
Counterparty
Your debtor is Roca.
The mutuo is enforceable in court and arbitrable internationally. Defaulting is not an option without consequences.
Portfolio
What if employees stop paying?
Roca absorbs that risk: your rate does not depend on any single loan. Collection comes straight from payroll, spread across many companies and employees at once.
Liquidity
After the draw, the money is out working.
Withdrawal is never blocked, and payroll collects weekly, biweekly or semimonthly: availability replenishes continuously, not only at the end of the term.
Exchange rate
The peso moves.
Your mutuo is in dollars at a fixed rate. The conversion and its risk are managed by Roca.
Ask us for any of these answers in writing. If we cannot answer, that is information too.
The questions worth asking
Do not take our word for it
Everything on this page can be verified without asking our permission.
Every movement, in public
Ask for the pool address and paste it into Starkscan. You will see every deposit, withdrawal and payment, including the ones we did not tell you about.
Open StarkscanThe code, open
The contracts are built from a public repository with a pinned compiler. The code you can read is the code that runs.
View the repositoryThe full version, in writing
The investor guide explains all of this in more detail, including what we fixed and what is still missing.
Read the guideIf you want to continue
Create your account, create your wallet and verify your identity. It takes a few minutes. Final access is approved by Roca, person by person.
Prefer to ask first? Write to us