What is a Tontine? Rotating Savings Circles in Francophone Africa

// Smart Contract for African Tontine
struct AfricanTontine {
    members: vector<TontineMember>,
    contribution_amount: u64,
    cultural_fund: Balance<USDC>,
    rotation_position: u64, // whose turn receives the payout
    current_cycle: u64,
    is_active: bool
}

public fun make_monthly_contribution(
    tontine: &mut AfricanTontine,
    payment: Coin<USDC>,
    ctx: &TxContext
) {
    // Verify member and amount
    // Allocate 95% to main fund, 5% to cultural activities
    // Check if all members contributed
    // Process payout when round complete
}