Step 1
Apply to the pilot
Request access with your project, use of funds, proof plan, repayment path, and preferred circle type so the first cohort is reviewable.
Apply to Pilot->
uLendMe Guide
From CredPass to CredCircle to Launch Loan.
uLendMe now centers the pilot around one clear path: apply, open My CredPass, join a small trust circle, get vouched, request a proof-backed Launch Loan, submit proof, repay, and unlock stronger credit.
Pilot
Users request access, admins accept or reject applications, and the first cohort stays small enough to review.
CredPass
Score, vouches, people search, proof receipts, NFT actions, and the next limit now live together.
Launch credit
Small loans generate proof receipts, repayment outcomes, voucher quality, and stronger future limits.
Current pilot flow
The path a user should follow
The CredCircles flow is designed so a new or existing user can see the next action without leaving the CredPass and circle experience.
Step 2
Open My CredPass
My CredPass now consolidates score, tier, NFT status, vouches, people search, proof receipts, and the next limit unlock in one place.
Open My CredPass->
Step 3
Create or join a circle
Pilot users choose from Builder Alpha, Creator Commerce, Student Founders, Freelancer Delivery, or Local Operators, then form small trust groups.
Explore Circles->
Step 4
Request a Launch Loan
Ask for a small purpose-based loan with a circle, vouch, due date, proof target, and repayment plan. Proof and repayment grow CredPass.
Request Loan->
App map
Where each product area fits now
The landing page is the front door. Inside the app, CredCircles is the pilot path, Borrow keeps legacy and collateralized routes, and APIs expose partner-facing credit data.
CredCircles
The complete pilot flow: apply, open CredPass, join a circle, earn vouches, request a Launch Loan, submit proof, repay, and unlock stronger credit.
My CredPass
The consolidated home for score, vouches, people, proof receipts, NFT mint/sync/replacement, borrowing limits, and wallet-specific credit history.
Launch Loans
Small, proof-backed pilot loans that turn real work, social backing, proof receipts, and repayment into a stronger CredPass.
Borrow
The Borrow area still includes the Borrow Wizard, pooled borrowing, and P2P loans for non-pilot borrowing routes.
Legacy Micro Loan
The older Start Passport flow has been renamed and moved under Borrow so returning users can still find and finish it.
APIs
Institutional API surfaces for underwriting snapshots, circle data, voucher networks, and capital partner views.
Admin pilot dashboard
Admins can review pilot applications, accept or reject applicants, watch cohort health, track proof coverage, and monitor voucher quality.
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, My CredPass reputation, vouches, proof receipts, and Launch Loans. It also keeps pooled borrowing, P2P loans, Earn, RWA collateral, and APIs available around that core flow.
What are CredCircles?+
CredCircles are small groups that make trust visible. Members choose a circle type, review each other, give or receive vouches, request small Launch Loans, submit proof, repay, and build a shared record of reliability.
What is My CredPass?+
My CredPass is the main reputation page. It now consolidates score, tier, CredPass NFT actions, vouches, received and given credit lines, people search, proof receipts, repayment history, and the next launch limit unlock.
Why are score, vouch, and users no longer separate tabs?+
Those actions all affect the same reputation surface, so they now live inside My CredPass. Users can inspect their own score, search people, open another wallet CredPass, and start a vouch without leaving the CredPass flow.
How does pilot onboarding work?+
A user applies to the pilot, chooses a preferred circle type, explains the use of funds, names a proof receipt they can submit, and describes their repayment path. Admins review applications in the pilot dashboard and accept or reject them.
What circle types can users choose?+
The pilot supports Builder Alpha, Creator Commerce, Student Founders, Freelancer Delivery, and Local Operators. Each type includes different proof examples, such as deploys, GitHub pull requests, invoices, receipts, customer links, and local business proof.
How should the first cohort be selected?+
Start small: roughly 25 users across five circles. Favor applicants with specific use of funds, proof readiness, credible repayment paths, clear circle fit, and enough diversity across builders, creators, students, freelancers, and local operators.
How do vouches work?+
Vouches are credit lines from trusted users. They help a borrower qualify for undercollateralized Launch Loans, but they also commit voucher capacity and should only be used for borrowers the voucher genuinely trusts.
What is a Launch Loan?+
A Launch Loan is a small purpose-based loan tied to a circle, vouch, due date, and proof target. The borrower submits proof, repays, and uses the outcome to strengthen My 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 happens if a CredPass NFT was burned outside the app?+
The app checks wallet ownership and NFT account state. If the previous CredPass NFT was burned externally, the replacement flow can show mint again instead of only burn or sync actions.
Where did Start Passport go?+
Start Passport is the older legacy micro-loan flow. It has been relabeled as Legacy Micro Loan and lives under Borrow so it does not compete with the new CredCircles CredPass flow.
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.
What are the APIs for?+
The APIs expose institutional and partner views: API products, underwriting snapshots, circle data, voucher networks, and capital partner signals.
Can I lend instead of borrow?+
Yes. The Earn area routes lenders into pool deposits and insurance staking. Pool lenders earn borrower-paid yield, and insurance stakers earn premiums for underwriting supported risk.
Why Solana?+
Small loans, proof loops, NFT updates, vouches, and repayment events need low-cost settlement. Solana keeps those actions practical on-chain.
What should I do first?+
If you want the new flow, apply to the CredCircles pilot and open My CredPass. If you need a non-pilot route, use Borrow Wizard to choose between pooled borrowing, P2P, and legacy micro loans.
Ready to try the current pilot flow?
Start with the pilot application, then use My CredPass as the home base for circles, vouches, proof, NFT actions, and launch limits.