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Community Lending
Banks want big profits, friends don't
Building reputation-based lending for the new economy
Ways to Help
Support community members working toward their dreams
How It Works
From Request to Repayment
1
Create Your Loan
Request $100-$5K for 30-90 days. Add your story, budget breakdown, and photos. Share with friends.
2
Friends Contribute
Your network sees your request. Each contribution signals trust with real money.
3
Trust Scores Calculate
We measure connection strength using mutual friends and network overlap. Close friends count more.
4
Lenders Evaluate
Lenders see your trust score and friend support. High-risk loans don't get funded.
5
Loan Funds or Expires
Hit your goal? Funds transfer to your wallet. Miss it? All contributions return.
6
Reputation Builds
Repay on time → stronger reputation. Default → permanent on-chain record follows you across DeFi.
Vision: How Lendfriend Scales
From bootstrap to global scale: Building the future of reputation-backed lending
Phase 0: Social Trust
LIVE2024-2025
Zero-interest loans backed by social trust
- $100-$5K loans, 30-90 days
- Farcaster social graph
- Prove the model works
Phase 1: Add Cashflow
PLANNED2025-2026
Scale with revenue verification
- $5K-$50K+ loans
- Plaid/Stripe/Shopify data
- 12-17% APR (vs ~25%)
Phase 2: Automate
FUTURE2026-2027
Loans that repay themselves
- $10K-$100K+ loans
- Smart wallet auto-repayment
- Mass market scale
The $1 Trillion New Economy That Banks Don't Serve
Freelancers (Upwork, Fiverr, Toptal)•Creators (YouTube, TikTok, Patreon)•Merchants (Shopify, Etsy, Amazon)
Traditional Banks
❌ Often reject platform earners
Limited access
Traditional underwriting relies on W-2s and steady paychecks
Fintech Platform Lenders
✓ ~25% APR
Invite-only
Only established merchants with proven sales. Expensive infrastructure.
LendFriend
✓ 12-17% APR
Open to everyone
Crypto infrastructure + social trust for those building their track record
How We Lower Rates
Eliminate Expensive Debt Middlemen
Banks and VCs expect big profits from your loan - friends don't
Fast, Lower-Cost Payments
Replace legacy payment rails with instant, low-cost stablecoins
Built-In Viral Growth
Every borrower becomes a growth engine by sharing their personal story
1
Create
Borrower shares loan with their network
2
Spread
Story spreads through their network and beyond
3
Convert
Some become lenders
4
Repeat
Lenders become borrowers
The magic: Emotional stories are 10x more likely to be shared than traditional ads. Each funded loan creates social proof that accelerates the next loan.