Step 1
Apply to Cohort 001
Request access with your project, use of funds, proof plan, repayment path, and preferred circle type. The first cohort is capped at 10 users.
Apply to Cohort 001 ->
uLendMe Guide
From CredPass to CredCircle to Launch Advance.
uLendMe now centers the pilot around one clear loop: apply, open CredPass, join a 5-person circle, get vouched, request a proof-backed Launch Advance, submit proof, repay, and unlock stronger credit.
Pilot
10 users, 2 circles, 5 people per circle, and Launch Advances available up to $50.
CredPass
Score, vouches, people search, proof receipts, NFT actions, repayment history, and next unlocks live together.
Pilot OS
The operating system that can turn community capital into applications, circles, proof, repayment, and reports.
Current pilot flow
The path a user should follow
The CredCircles flow is designed so a builder can always see the next action without leaving the CredPass and circle experience.
Step 2
Open My CredPass
CredPass consolidates score, tier, NFT status, vouches, people search, proof receipts, repayment history, and next unlocks.
Open My CredPass ->
Step 3
Create or join a circle
Cohort builders form 2 CredCircles with 5 people each. Category choices are placement preferences, not rigid quotas.
Explore Circles ->
Step 4
Request a Launch Advance
Ask for up to $50 with a circle, vouch, due date, proof target, and repayment plan. Proof and repayment grow CredPass.
Request Launch Advance ->
App map
What is built now
CredCircles is the pilot path, Borrow keeps legacy and collateralized routes, and institutional pages expose the reporting/API layer behind future revenue.
CredCircles
The builder flow: apply, open CredPass, join a five-person circle, earn vouches, request a Launch Advance, submit proof, repay, and unlock stronger credit.
My CredPass
The reputation home for score, vouches, proof receipts, NFT actions, borrowing limits, people search, and wallet-specific credit history.
Launch Advances
Small, proof-backed loans available up to $50 for the first pilot. Each request has purpose, due date, proof target, and repayment context.
Admin pilot dashboard
Admins review applications, assign accepted users into 2 planned circles, waitlist overflow, monitor proof coverage, and track voucher quality.
Sponsor reports
Cohort reports turn applications, circles, funded loans, proof receipts, repayment, and capital recycling into a sponsor-readable view.
APIs
Institutional APIs expose permissioned eligibility, circle health, voucher quality, proof, and cohort performance data behind the product.
Borrow
Borrow still contains the Borrow Wizard, pooled borrowing, P2P loans, and legacy micro-loan routes outside the focused pilot path.
Earn
Earn routes lenders into pool deposits and insurance staking. These rails can later support larger cohorts and capital partners.
Future vision
How the pilot scales
The first cohort is intentionally small. The data it creates is what makes larger circles, sponsor programs, and API products credible later.
CredCircle Pilot OS
The revenue product: a managed cohort platform for communities, hackathons, university clubs, DAOs, and accelerators to run small launch-credit programs without spreadsheets.
SuperCircles
The next trust layer: proven CredCircles can graduate into larger, member-governed groups with deeper allocations, richer reporting, and stronger repayment history.
Commercial API layer
Eligibility, proof receipts, circle health, voucher quality, cohort performance, and webhooks become paid infrastructure after the cohort workflow proves demand.
FAQ
Common questions
A practical overview of how uLendMe works and where to go next.
What is uLendMe?+
uLendMe is a Solana lending app centered on CredCircles: small trust groups, CredPass reputation, vouches, proof receipts, and Launch Advances. Pooled borrowing, P2P, Earn, RWA collateral, and APIs remain available around that core flow.
What are CredCircles?+
CredCircles are small groups that make trust visible. Members review each other, give or receive vouches, request Launch Advances, submit proof, repay, and build a shared record of reliability.
How does pilot onboarding work?+
A user applies, chooses a preferred circle type, explains use of funds, names proof they can submit, and grants CredPass read consent. Admins accept up to 10 users into 2 planned circles or move overflow to the waitlist.
How should the first cohort be selected?+
Favor applicants with specific use of funds, proof readiness, credible repayment paths, clear circle fit, and enough mix across builders, creators, students, freelancers, and local operators. Categories guide placement; they do not force one circle per category.
What is a Launch Advance?+
A Launch Advance is a small purpose-based loan available up to $50 during the first cohort. The borrower submits proof, repays, and uses the outcome to strengthen CredPass.
What counts as proof?+
Proof can be a deploy, GitHub pull request, invoice, customer receipt, marketplace link, paid work milestone, local business receipt, or reviewer note. The important part is that the loan purpose has a visible result.
What is CredCircle Pilot OS?+
CredCircle Pilot OS is the future paid cohort product: application intake, CredPass review, circle formation, small Launch Advances or sponsored credits, proof review, repayment tracking, and sponsor-ready reports.
What are SuperCircles?+
SuperCircles are the future version of proven circles: multiple trusted groups can graduate into larger, member-governed credit communities once proof and repayment data justify larger allocations.
What are the APIs for?+
The APIs expose institutional and partner views: eligibility snapshots, circle health, voucher quality, proof receipts, cohort reporting, and eventually webhooks.
Can I still use pooled borrowing or P2P lending?+
Yes. CredCircles is the main pilot flow, but Borrow still includes the Borrow Wizard, Pool Borrow, P2P lending, and the legacy micro-loan route.
Ready to try the current pilot flow?
Start with the pilot application, then use CredPass as the home base for circles, vouches, proof, NFT actions, and launch limits.