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One grant can help more than one entrepreneur

A Circular Grant gives an approved local business capital today. If and when the recipient is able, they may voluntarily forward money into their community’s Community Fund so it can support another business. Circularity means capital can serve a community more than once. It does not mean that Geyser or a Field Partner has a financial claim against the recipient.

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A pledge, not a debt

A Circular Grant is not a loan, microloan or repayment obligation.
  • No outstanding balance to collect
  • No interest
  • No required payment schedule
  • No penalty for not forwarding
  • No pressure, shame or loss of access
A recipient may suggest a non-binding estimate of when or how much they hope to forward. That estimate is not a commitment. The needs and stability of the business come first.

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The Circular Grant journey

1

Contributors fund a grant

A vetted Field Partner identifies a credible local business and helps Geyser prepare an approved, controlled all-or-nothing campaign. Circular Grants are currently introduced through pilots, not as a general self-serve fundraising product.
2

Capital goes directly

Geyser locks the payout address to the verified beneficiary wallet. Once the campaign succeeds and the withdrawal is authorised, the Field Partner cannot redirect the funds.
3

The business puts the grant to work

The beneficiary controls and uses the grant for the approved purpose. The Field Partner provides local support and helps share progress and consented evidence.
4

Forwarding is voluntary

If and when the recipient is able, they may contribute to the Community Fund. There is no collection process and no negative consequence if they cannot contribute.
5

The Community Fund supports the next business

The Field Partner can propose another local entrepreneur for support. The next beneficiary must still meet the programme’s criteria and receive Geyser approval.

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Trust and safeguards

Field Partners make local operating decisions because they understand the people and context. Geyser protects beneficiaries and the integrity of the programme. Geyser may pause a campaign or remove a Field Partner if there is:
  • coercion, pressure or public shaming;
  • behaviour that treats a voluntary pledge as money owed;
  • misuse of grant funds; or
  • another breach of Geyser’s terms.
Beneficiaries must have a direct route to raise concerns with Geyser without going through the Field Partner.

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Why Circular Grants exist

Many small businesses cannot access bank capital on workable terms. Informal lenders and high-cost microfinance can create financial pressure, stigma and exclusion. Circular Grants offer a different path: direct Bitcoin capital, local stewardship and voluntary reciprocity without debt-based coercion.

Learn about Field Partners

See how trusted local operators identify, verify and support Circular Grant beneficiaries.