Loading...
Loading...
Web3 infrastructure for uncollateralized credit—powered by verified revenue and community trust.
Millions of entrepreneurs run real businesses with verifiable revenue. They have transaction history and proven cashflow. To grow, they need working capital—but the system fails them.
2+ years history, collateral, and weeks of paperwork.
Wayflyer and Shopify Capital exclude smaller sellers.
Defeats the purpose of credit for real-world growth.
The equation is simple: Verified Revenue + Social Trust = Universal Access.
We replace backward-looking credit scores with real-time sales data, unlocking capital for the millions of high-potential businesses that legacy finance excludes.
Stop relying on credit bureaus. Connect Shopify, Stripe, or Square instantly. We use your verifiable transaction history to prove you can repay.
Get funded by the people who know you best. When your reputation is on the line within your own community, social accountability creates a powerful incentive to repay.
We serve the gap between micro-finance and institutional capital.
| Features | Banks | Platform MCAs | DeFi | LendFriend |
|---|---|---|---|---|
| Credit Score | 680+ Required | Not Required | N/A | Not Required |
| Collateral | Assets Required | Future Revenue | 150% Crypto | Verified Revenue |
| Cost | 8-15% APR | High Fees | Variable | 0% Interest |
| Min Revenue | $100k+/yr | $10k/mo | N/A | Any Verified |
| Trust Model | Bureau Data | Platform Data | Code | Data + Social |
0% interest community loans ($100-$5K) to prove the model. Connect Shopify, Stripe, or Square to verify revenue, track repayments on-chain, and share with your network.
Once we can model repayment risk using business metrics combined with social data, we can introduce fair interest rates (8-12% APY) that reward lenders while keeping costs 50% lower than MCAs.
AI agents that monitor revenue and automatically route payments to repay loans. "Loans that pay themselves" via autonomous agents, streaming payments, and merchant stablecoin adoption.
The viral mechanics of crowdlending networks are well-documented in academia and battle-tested in industry. The capital exists; the challenge is activating it through trusted social networks.
To get funded, borrowers share their loan with their own social graph (Facebook, WhatsApp). Distribution is user-generated.
Social proximity increases funding success and lowers default rates. Communities bet on their own.
Backers see the product work and convert into borrowers or invite other merchants. The network scales organically.
$0.01 transactions on Base L2 finally make micro-loans viable globally.
Real-time data from Shopify & Stripe allows for instant, verified underwriting.
Farcaster provides a portable, verifiable social graph for reputation.
Help us build a fairer financial system based on verification and trust, not just collateral.