Features

Everything you need for trusted peer-to-peer lending and financial collaboration.

Trust Score System

Multi-factor reputation score (0-100) based on payment history, social connections, and platform engagement.

  • Asymmetric rewards: +1% success, -30% default
  • Score-based borrowing limits
  • 5-tier progression system

P2P Lending

Lend and borrow directly with friends and trusted connections without intermediaries.

  • Zero platform fees
  • Automated payment reminders
  • In-app chat for loan discussions

Trust Vault

Stake USDC to earn yield while enabling credit access for the community.

  • 5-10% APY on staked USDC
  • 80% default coverage via insurance pool
  • Receive tmUSDC as proof of stake

Bill Splitting

Scan receipts with AI and split bills easily with your group.

  • Gemini Vision OCR
  • Fair split calculations
  • Track who paid what

Social Recovery

Never lose access to your wallet. Trusted guardians can help you recover your account.

  • Configure 3-5 guardians
  • Multi-sig approval required
  • Timelock protection on withdrawals

Gamification

Earn badges, level up, and unlock perks as you use the platform.

  • 15 achievement badges
  • Bronze to Diamond levels
  • Fee discounts and limit boosts